FREQUENTLY ASKED QUESTIONS - ATAL PENSION YOJANA

I. OPENING OF APY ACCOUNT

1. What is pension? Why do I need it?

A Pension provides a monthly income to the old age people when they are not working.

Need for Pension:

 Decreased income earning potential during old age.
 Increased Life-Expectancy.
 Tenure of retired life is almost same as working life.
 Rise in cost of living/Inflation.
 Migration of earning members.
 The rise of culture of the nuclear Family.
 Dignified life in the old age due to less financial dependence.

2. What is Atal Pension Yojana?

Atal Pension Yojana (APY), is a voluntary pension scheme launched by the Government of India
for all Citizens of India, especially the poor, the under-privileged and the workers in the
unorganised sector. Under the APY, a minimum guaranteed pension of Rs. 1,000/- or 2,000/- or
3,000/- or 4,000 or 5,000/- per month will start after attaining the age of 60 years, depending on
the contributions made by the subscribers for their chosen pension amount.

3. Who can subscribe to APY?

APY is open to all citizens of India who fulfil the following eligibility criteria: -

(i) The age of an individual should be between 18 and 40 years.

(ii) He / She should have a savings bank account/ post office savings bank account.
(iii) From 1st October, 2022, any Indian citizen who is or has been an income-tax payer under
the Income-tax Act, 1961, as on the date of application will not be eligible to open a new
APY account.

The prospective applicants may provide a mobile number to the bank during their enrolments
under APY to receive periodic updates on their APY account as well as on the scheme. Aadhaar
may also be provided at the time of enrolment as the APY is notified for the same.

4 What is the procedure for opening APY Account?

Approach the bank branch/ post office where the individual’s savings bank account is held or
open a savings account in bank or post office if the individual doesn’t have one.
5 Can an Income-tax payer open new APY account?
No, from 1st October 2022, any citizen who is or has been an income-tax payer (Income-tax
Act,1961), shall not be eligible to open new APY account.

6 Any effect on existing APY subscribers or subscribers joining APY on or before 30th
September, 2022 who are income-tax payers?
No. The subscribers, who have joined on or before 30th September, 2022, irrespective of their income
tax payee status, are eligible to continue their Atal Pension Yojana account and make contributions for
availing of benefits provided under the scheme.

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 7 Today a customer is a non-tax payer and post subscription he becomes Tax payer, can such
subscriber continue with APY?
Yes, the customer should not be an income-tax payer on the date of making an application for
registration under APY. If on a later date, he or she becomes an income-tax payer then there shall not
be any effect on their APY account. All such APY subscribers can continue their APY account and
contributions to it for availing of benefits provided under the scheme.

8 (I) Customer has income which is under non-taxable bracket, then will he be eligible to
subscribe?
Yes.

(II) If later on it is found that the customer is an Income-tax payer and his APY is to be closed.
Will any penalty be levied on the customer in this regard?
No. There will not be any penalty on the subscriber. However, the APY account of such
subscriber shall be closed and accumulated pension wealth would be given back to the
subscriber, as stipulated under the gazette notification dated 10th August 2022.

9 Whether an employee of Central/State Government or Public Sector Undertaking and/ or a NPS

subscriber can subscribe to APY?
 Yes, any Indian citizen, who satisfies the eligibility conditions as specified at point 3 above, can
join APY irrespective of his/her employment status with Govt./Public Sector, for availing of benefits
guaranteed by Government of India under the scheme.
 Further, an existing NPS subscriber can also subscribe to APY, if he/she meets the basic eligibility
criteria, for availing benefits guaranteed by the Government of India under the scheme.

10 What are the benefits of joining APY?

Atal Pension Yojana (APY) is a voluntary pension scheme launched by the Government of India
for all Citizens of India, especially the poor, the under-privileged and the workers in the
unorganised sector. Under the scheme, the subscriber is entitled for the following benefits:

(i) Central Government guaranteed minimum pension amount: Each subscriber under APY shall
receive a Central Government guaranteed minimum pension of Rs.1000 per month or Rs.2000
per month or Rs.3000 per month or Rs.4000 per month or Rs.5000 per month, after the age of
60 years until death.
(ii) Central Government guaranteed minimum pension amount to the spouse: After the
subscriber’s demise, the spouse of the subscriber shall be entitled to receive the same pension
amount as that of the subscriber until the death of the spouse.

(iii) Return of the pension wealth to the nominee of the subscriber: After the demise of both the
subscriber and the spouse, the nominee of the subscriber shall be entitled to receive the pension
wealth, as accumulated till age 60 of the subscriber.

The subscribers are required to contribute the prescribed contribution amount from the age of
joining APY till age 60 to enjoy the triple benefits.

11. Whether Aadhaar Number is compulsory for joining the scheme?

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 Atal Pension Yojana (APY) has now been included under the Section 7 of the Aadhaar Act. As
per the provisions of the Act, any individual who is eligible to receive such benefits under the
APY will have to furnish proof of possession of Aadhaar number or undergo enrolment under
Aadhaar authentication. Hence, it is desirable (not mandatory) to provide Aadhaar Number for
proper identification of the subscriber at the time of enrolment. However, Aadhar details are to
be submitted in due course of time, if not submitted at the time of enrolment.

12. Can I open APY Account without savings bank account?

No, the savings bank account/ post office savings bank account is mandatory for joining APY.

13 Is it required to furnish nomination while joining the scheme?

Yes, it is mandatory to provide nominee details in APY account.

14 Is there any provision of default nominee or blood relation?

If the subscriber is unmarried they can nominate any other person as nominee but they have to
provide spouse details after marriage. If married, the spouse will be the default nominee. The
Aadhaar details of spouse and nominees may be provided.

15 How many APY accounts I can open?

An individual can open only one APY account. Multiple APY accounts are not permitted.
However, all the eligible family members of the subscribers falling under the age bracket of 18-
40 years can open their individual APY Account.

16 Can minor open APY account?

No. A minor cannot open an APY account.

17 If I have completed 40 years, can I join Atal Pension Yojana?

A person can join APY till his/ her 40th birthday. For example, if person ‘X’ becomes 40 years old
on 1st January 2023, then, he/she is eligible to join APY till 1st January 2023 and becomes
ineligible from 2nd January 2023 to join the scheme.

18. Whether NRI is eligible to open APY Account?

Yes, any NRI who satisfies the eligibility conditions as specified at point 3 above, is eligible
to open APY account.

19. After opening of APY account, what will happen if a subscriber becomes non-citizen of
the country?
The scheme is open to the Indian citizens only. Hence, in that event the APY account will be
closed and the net actual interest earned on his contributions (after deducting the account
maintenance charges) will be refunded, whereas, the Government co-contribution, and the
interest earned on the Government co-contribution, if provided, shall not be returned to such
subscribers.

20. How to keep the APY account persistent?

The APY account can be kept persistent by making regular contributions towards the scheme.
APY provides the option to the subscribers to change the contribution frequency
(Monthly/Quarterly/Half Yearly) as per the earning frequency of the subscriber. Also, the

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 subscriber can maintain persistency by paying all the overdue contributions along with the
interest.

21. If the subscriber is Tax payer, can he/ she open the APY account in his/ her spouse’s
name?
Yes, if the APY subscriber is an income taxpayer, his/her spouse who is not an income taxpayer
and satisfies other eligibility conditions can open their APY account.

22. When should an individual join APY?

An individual should join APY as early as possible to get the benefit of time. By joining early, the
overall contribution made by the subscriber is reduced keeping the returns same.

23. Are the PRAN numbers for APY & NPS same?
No, the PRAN numbers for APY & NPS are different because PRAN is unique number which is
allotted scheme wise.

II ACCUMULATION PHASE UNDER APY

24. What amount one needs to contribute towards APY?

The contribution amount shall depend on the age of the individual at the time of opening of APY
account, frequency of contribution and the pension slab chosen. The age wise, frequency wise
and pension slab wise contribution table is provided as Annexure for reference.

25. What is the mode and frequency of contributions to the APY account?
The contributions can be made at monthly / quarterly / half yearly intervals through auto debit
facility from savings bank account/ post office savings bank account of the subscriber.

26. What is the due date for contribution under APY?

APY contributions will be collected through auto-debit of their savings bank account/ post office
savings bank account on any date of the particular month, in case of monthly contributions or
any day of the first month of the quarter, in case of quarterly contributions or any day of the first
month of the half year, in case of half-yearly contributions.

27. How the quarter/ half years are defined in APY?

The quarters are defined as April- June as first quarter / July-September as 2nd Quarter/ October
- December as 3rd quarter and January – March as 4th quarter. Further, half years are defined as
April- Sept as 1st half year and Oct- March as 2nd half year. The subscriber is required to pay
entire contribution for that quarter/half year whenever he/she is joining i.e. initial contribution and
subsequent contribution would be due in the first month of the next quarter or first month of the
next half year as per the frequency opted.

28. What will happen if the contribution gets delayed?

Subscriber will be charged overdue interest for the delayed period in case the APY contribution
gets delayed beyond the due date.

29. How the overdue interest is calculated in case of delayed contribution?

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 For each delayed monthly contribution, the Banks are required to collect Rs.1 of every Rs.100
contribution, or part thereof, per month. The overdue interest collected will be credited to the
APY account of the subscriber and it will remain as part of the pension corpus of the subscriber.

30. What will happen if required or sufficient amount is not maintained in the savings bank
account for contribution on the due date?
In case of inadequate balance in the saving account of the subscriber till the last date of the
month / last date of the first month in a quarter / last day of the first month in a half year, as the
case may be, it will be treated as a default and contribution will have to be paid in the
subsequent month along with overdue interest for delayed contributions. More than one monthly
/ quarterly / half yearly contribution can be recovered subject to the availability of the funds.

31. What will happen to APY account in case of non-contribution?

An APY account never gets closed due to non-payment of contributions by the subscriber.
Further, the subscriber can regularize his/ her account at any point of time by paying
contributions for the overdue period along with the overdue interest. However, the deductions
would continue to be made in the subscriber’s APY account for account maintenance charges
and other related charges on a periodic basis till it becomes zero.

32. How the contributions are invested in APY?

The contributions under APY are invested as per the investment guidelines prescribed by
PFRDA for APY. The contributions thus collected are invested and the funds are managed by
the Pension Funds namely SBI Pension Fund Pvt. Ltd, LIC Pension Fund Ltd and UTI Retirement
Solution Ltd.

III SUBSCRIBER RELATED SERVICES UNDER APY

33. What are the new functionalities available to an APY subscriber? Whether these
functionalities are available online?
As per the evolving needs, Central Recordkeeping Agency (CRA) appointed by PFRDA has
developed and made available the new functionalities categorized in the table below.
PFRDA has also enabled digital utilities for these functionalities available online to facilitate
subscribers to access their Account without visiting the bank/post office branch. These features
are expected to benefit APY Subscribers and empower them to carry out account related
activities as described below:

S. N. Module Digital Utility Available online

1. Subscriber Besides, the traditional method of onboarding wherein the
Registratio individual used to deposit a physical account opening form to
n PoP-APY, a digital onboarding facility into APY has also been
enabled:

e-APY facility with multiple options is provided to prospective

subscribers for enrolment in APY. This ensures wider reach
and it is a user-friendly platform and makes enrolment under
APY in a complete end to end digital interface without
submission of physical form by the prospective subscribers
and without visiting a bank branch.

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 The various options are as follows:

a) Online APY registration

The eligible individual can enrol under APY

through e-APY wherein the individual’s details
are fetched as per Aadhar and individual submits
the details through e-sign facility.

b) APY Lead Generation

Through this facility, the well-wisher can

generate lead for the proposed APY subscriber.
The said lead is passed on through the concern
bank for onward processing. This facility is very
much useful for the people who wish to join APY
but are not aware about the modalities.

c) Migration of NPS Lite Swavalamban

Subscribers to APY

With this facility, the NPS Lite subscribers can

migrate to APY through online basis and are not
required to submit form in physical at the bank
branch.

2 PRAN Card Atal Pension Yojana (APY) subscribers have an option to opt
Printing for physical PRAN Card by accessing eAPY portal. A link has
been provided to subscribers providing the instructions for
printing APY PRAN Card.

Simultaneously, an ePRAN card/e SoT facility has been made

available which is useful for downloading of transaction
statement and ePRAN card. The option contains a search with
PRAN and without PRAN. The subscriber can download
Transaction Statement financial year wise.
3 Upgrade/ Under APY, the Subscriber is required to select the minimum
Downgrade pension of Rs. 1,000/-, 2,000/-, 3,000/-, 4,000 and 5,000/- per
month that will be given at the age of 60 years depending on
the contributions made by the subscribers. Accordingly, the
contribution is deducted from the subscriber’s bank account as
per the frequency opted i.e. monthly/quarterly/half yearly. As
per PFRDA guidelines, APY Subscribers have an option to
upgrade/downgrade the opted pension amount. The window
period to change the pension amount is available to
Subscriber only once throughout the year from 1st July, 2020.

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4 Continuatio As per Notification F. No. 16/1/2015-PR dated 22nd March,
n of APY 2016 issued by Department of Financial Services, Ministry of
Account Finance and PFRDA exit guidelines under APY, a spouse of
the Subscriber has an option to continue APY account in case
of death of the Subscriber.

The feature has been enabled in the CRA system wherein

request for continuation of account by spouse can be
processed as part of Subscriber Registration functionality by
PoP-APY.

The continuation of APY account by spouse will be with below

options:

i). In case of death of the subscriber before 60 years,

new PRAN will be generated in the name of the spouse
and spouse will be allowed to contribute for the
remaining period i.e. till the date on which
original/deceased subscriber would have attained the
age of 60 years.

ii). Spouse will be allowed to contribute same amount

as earlier opted by the original/deceased subscriber.

iii). The balance units available in the subscriber’s APY

account will be transferred to the APY account of
spouse.

iv). Spouse will be allowed to contribute from his/her

own savings Bank account.
5 CGMS APY Grievance Module

The PoP-APY has the facility to raise queries/grievances on

behalf of associated subscribers in the CRA login. As part of
the functionality, PoP-APY will have below options:

1. Log Grievance request

2. Grievance resolution
3. Grievance status view
4. View and Assign grievance
5. Grievance Master status view

Grievances raised by the subscriber on its own:

The facility for raising grievances is also provided in APY

mobile application in addition to raising the same through web
site.

Direct link to raise a grievance by APY Subscriber on CRA site:

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 https://npscra.nsdl.co.in/Logyour-grievance.php

6 Mobile A mobile app is developed for APY subscribers known as

Application “APY and NPS Lite”. APY subscribers with smart phones can
down load the said app from Google Play store ‘in search
option’ and installing in their mobile phones for real time
viewing of APY Accounts.

The various features of Mobile app are as follows:

a) Download Transaction Statement and e-PRAN

b) View value of holdings
c) Check latest 5 contributions credited
d) Check personal details
e) Raising grievances
f) Link for online register through e-APY
g) Link for pension calculator
h) Link for you tube videos for APY on APY ki
Pathshala.

APY subscribers can access the mobile app through PRAN

and one time password duly received on mobile no registered
(active and valid) in CRA system.
A chatbot for APY subscriber is developed so that the
subscribers can get instant resolution to the APY related
Chatbot queries.
7 Facility
(KYNA) It is very useful for existing APY subscribers as well as for
proposed subscribers to get APY related information
immediately.
Podcast has been made available for APY on various topics.
Podcast on Any person can hear the same and get the information about
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APY APY and various functionalities in APY. The Podcast is made
available in Hindi and English.

The subscribers may visit the following link for accessing the above features
https://www.npscra.nsdl.co.in/scheme-details.php

34. Whether various forms under APY are available online?

Yes, various forms under APY can be accessed online at https://www.npscra.nsdl.co.in/nsdl-
forms.php

35. Will there be any option to increase or decrease the monthly contribution for higher or
lower pension amounts?
a) Yes, a subscriber can opt to decrease or increase pension amount during the course of the
accumulation phase, once a financial year.

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 b) For subscribers who are of the age of 40 years and below, for upgrading the pension
amount, the subscribers need not to pay the differential amount of contribution. As per the
Refixation method, contribution is to be paid based on current age and new pension amount,
whereas in the case of down gradation, the excess amount of contribution collected from
the subscriber would be refunded to the subscribers along with the returns generated.

c) For upgradation or down gradation, other than error cases, the subscribers would be
required to pay a fee of Rs. 50, which will be shared equally by PoP-APY and CRA.

36. How will I know the status of my contribution?

The periodical information regarding the activation of PRAN, balance in the account, contribution
credits etc. are provided to APY subscribers by way of SMS alerts on the registered mobile
number or the same can also be accessed through APY Mobile app launched by CRA. The
subscriber will also be receiving physical statement of transactions once in a financial year at
their registered address.

37. Will I get any statement of transactions?

Yes, the physical statement of APY account will be provided to the subscribers annually at the
registered address by CRA.

38. If I move my residence / city, how can I make contributions to APY account?
The APY contributions will continue to be collected through auto debit of the same savings
account uninterruptedly even in case of change of residence / location. As contribution collection
is done through bank account which is CBS enabled, subscriber can continue contributing
through same savings bank account, even if the residence is changed.

39. If I am an existing subscriber of APY, can I change my monthly auto debit facility to
quarterly or half yearly as per my convenience?
Yes, the subscriber can change the mode (monthly/ quarterly/half yearly) of auto debit facility
once in a year.

40. Is there any helpline number dedicated to APY where queries related to APY can be
addressed?
Yes, the Toll-Free Helpline numbers for APY are:

PFRDA’s toll free no. 1800-110-069 (For prospective subscribers)

CRA’s toll free no. 1800-889-1030 (For existing subscribers)

IV TAXATION AND CHARGES UNDER APY

41. Will I get any tax benefits under APY?

Tax benefits available under NPS scheme are also applicable to APY as per Notification No. 7
/2016, F.No.173/394/2015-ITA-I dated 19th Feb, 2016. The Subscriber opting for new tax
regime, may refer the provisions of new tax regime.

42. What are the fee and charges involved in maintaining the APY account?

Table of all charges and fees of APY

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 Intermedia Charge Applicable fees and charges levied on Method of
ry hea APY subscribers collection of
d charges
Central PRA Opening Rs. 15 Cancellation of
Recordkeeping charges units.
Agency (CRA) Annual PRA Rs.20
Maintenance cost
per account
Charge per Free
transaction
Points of Initial subscriber NA
Presence (PoP)/ registration and
PoP-APY contribution
upload
Any subsequent NA NA
transactions
Persistency > 6 NA
months &
Rs.1000
contribution
Contribution NA
through eNPS
Trustee Bank NIL
Custodian Asset Servicing 0.000000001770% of AUM per annum for Adjusted in Net
charges Electronic segment & Physical segmentAsset Value
Pension Fund Investment With effect from 1st April, 2021, following
Adjusted
charges Management Fee IMF shall be charged by the freshly appointed in
Pension Funds. Net
Ass
Slabs of AUM Maximum Investment et
managed by the Management Fee Value
Pension Fund (IMF)

Upto 10,000 Cr. 0.09%*

10,001 – 50,000 Cr. 0.06%

50,001 – 1,50,000
0.05%
Cr.

Above 1,50,000 Cr. 0.03%

* UTI Retirement Solutions Ltd charges a fee

of 0.07% under this slab.

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NPS Trust Reimbursement 0.005% per annum of AUM Adjusted
of Expenses in Net
Asset
value
POP and CRA For upgradation Rs. 50 (shared equally by PoP and CRA)
or down
gradation

V EXIT UNDER APY

43. What is the withdrawal procedure from APY?

The subscriber will submit the request to the associated bank/Post office branch for drawing the
monthly pension. Upon successful submission and processing of the request, the subscriber will
start receiving the monthly pension until death. After the death of the subscriber, the same
amount of monthly pension will be received by the spouse (default nominee), until death. Upon
the death of both the subscriber and the spouse, the nominee will receive the entire pension
wealth accumulated till the age of 60 years of the subscriber.

44. Whether exit from APY is permitted before 60 years of age?

Yes, voluntary exit under APY before 60 years of age is permitted.

, the subscriber shall only be refunded the contributions made by him along with accrued income
earned on his contributions (after deducting the account maintenance charges).

In the case of those subscribers who had joined the scheme before 31st March 2016 and had
received Government Co-Contribution, they shall not receive the Government co-contribution
and the accrued income earned on the same, if opted for Voluntary exit before 60 years.

However, to avail of the triple guaranteed benefits of the Govt. of India, the subscribers are urged
to continue making contributions into the scheme till 60 years of age.

45. What one will get in case of death before 60 years?

 Option 1: In case of the death of the subscriber before 60 years, an option will be available to
the spouse of the subscriber to continue contribution in the APY account of the subscriber
(which can be maintained in the spouse’s name) for the remaining vesting period of the
deceased subscriber (till the original subscriber would have attained the age of 60 years). The
spouse of the subscriber shall be entitled to receive a lifelong pension from this account. Such
APY account would be in addition to the APY account which the spouse would be maintaining
in his/ her own name, if any.

 Option 2: The entire accumulated corpus till date under APY will be returned to the spouse /
nominee of the subscriber.

In case of unmarried subscribers, the entire corpus will be returned to the nominee of the
subscriber.

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46. What are the benefits under APY on attaining 60 years of age?
The subscriber shall receive the following three benefits on attaining the age of 60:
(i) Guaranteed minimum pension amount: Each subscriber under APY shall receive a
Government of India guaranteed minimum pension of Rs. 1000 per month or Rs. 2000 per
month or Rs. 3000 per month or Rs. 4000 per month or Rs. 5000 per month, after the age
of 60 years until death.
(ii) Guaranteed minimum pension amount to the spouse: After the subscriber’s demise, the
spouse of the subscriber shall be entitled to receive the same pension amount as that of
the subscriber, until the death of the spouse.
(iii) Return of the pension wealth to the nominee of the subscriber: After the demise of both
the subscriber and the spouse, the nominee of the subscriber shall be entitled to receive
the pension wealth, as accumulated till age 60 years of the subscriber.

VI NPS SWAVALAMBAN AND APY

47. Is migration from NPS Lite/ Swavalamban Scheme to APY possible?

The Swavalamban/NPS Lite Subscribers between 18 to 40 years of age are eligible to migrate
to APY.

48. What is the process of migration from NPS Lite/ Swavalamban Scheme to APY?

The eligible Swavalamban subscribers who wish to migrate to APY shall fill up the enrollment
form for migration to APY and submit the same along with the copy of PRAN card to the nearest
PoP-APY for registration. Subsequent to the registration, the subscriber will be mapped to the
bank branch. The PRAN amount balance under the Swavalamban scheme will be shifted to APY
on T+1 basis. Also, the subscriber can use eAPY facility to opt for migrating from NPS Lite/
Swavalamban to APY.

49. Whether NPS Lite/ Swavalamban subscriber can exit from the scheme?
Yes, the subscribers under the NPS Lite/Swavalamban scheme who do not wish to continue
under the scheme may exit from the scheme as per the guidelines applicable and withdraw the
entire amount in lump sum or may prefer to continue till the age of 60 years to be eligible for
benefits as per the scheme.

VII APY IN SOCIAL MEDIA

50. Whether information related to APY is available on social media?

Yes, APY pages are available on social media on the following links:

 Facebook- https://www.facebook.com/OfficialAPY/
 Instagram- https://www.instagram.com/atalpensionyojanagoi /
 Linkedin- https://www.linkedin.com/in/pfrda-pension-fund-regulator-of-india-
051614168/?originalSubdomain=in
 Youtube- https://www.youtube.com/channel/UCLMx1eZWY-LDeyIWCwYu15Q
 APY Ki Pathshala on Youtube- https://www.youtube.com/channel/UC5SuHg-
O6ipH1J_HTfU17ug
 Latest APY video : https://www.youtube.com/watch?v=mt0tijZyHqQ
 Twitter- https://twitter.com/pfrdaofficial?lang=e

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 APY Podcasts :

S.No Podcast Title Link

1 APY Scheme- Eligibility and Benefits – https://bit.ly/3OFnSXH
2 APY Mobile App - How to download and its features - https://bit.ly/3AN7Bdu
3 e-APY Process https://bit.ly/3pDYwxF
4 Downloading APY transaction statement and ePRAN https://bit.ly/3cfJ6g5
5 Continuation of APY accounts by spouse https://bit.ly/3VyWHQE
6 Migration of Swavalamban subscriber to APY https://bit.ly/3GRym4d
7 What if APY subscriber misses his contributions for few https://bit.ly/3VgQdGg
months
8 Funded APY accounts and benefits https://bit.ly/3uaVwLi
9 How can I modify details registered in APY https://bit.ly/3F9HMqs
10 Seeding aadhaar in APY PRAN https://bit.ly/3GX0jrH
11 Account opening in APY https://bit.ly/3XI0Vr8
12 How to raise grievance by APY subscriber https://bit.ly/3IRLM1m
13 How to get PRAN card for APY https://bit.ly/3iCQeq6

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 Minimum Guaranteed Pension Minimum Guaranteed Minimum Guaranteed Minimum Guaranteed Minimum Guaranteed
of Rs. 1000/ month Pension of Rs.2000/ Pension of Pension of Rs.4000/ Pension of
month Rs.3000/ month month Rs.5000/ month
Return of
indicative Rs. 1.7 Lakh Rs. 3.4 Lakh Rs. 5.1 Lakh Rs. 6.8 Lakh Rs. 8.5 Lakh
corpus amount
to the Nominee
Age at Vesting Monthly Quarterly Half Monthly Quarterly Half Monthly Quarterly Half Monthly Quarterly Half Monthly Quarterly Half
entry period Yearly Yearly Yearly Yearly Yearly
18 42 42 127 256 84 254 512 126 381 769 168 507 1025 210 634 1281
19 41 46 139 281 92 278 561 138 417 842 183 553 1116 228 689 1391
20 40 50 151 305 100 302 610 150 453 915 198 598 1208 248 749 1513
21 39 54 163 329 108 326 659 162 489 988 215 649 1312 269 812 1641
22 38 59 178 360 117 353 714 177 535 1080 234 707 1428 292 882 1781
23 37 64 193 390 127 384 775 192 580 1171 254 767 1550 318 960 1940
24 36 70 211 427 139 420 848 208 628 1269 277 837 1690 346 1045 2111
25 35 76 230 464 151 456 921 226 683 1379 301 909 1836 376 1136 2294
26 34 82 248 500 164 495 1001 246 743 1501 327 988 1995 409 1235 2495
27 33 90 272 549 178 538 1086 268 809 1635 356 1075 2172 446 1347 2721
28 32 97 293 592 194 586 1184 292 882 1781 388 1172 2367 485 1465 2959
29 31 106 320 647 212 640 1293 318 960 1940 423 1277 2581 529 1598 3227
30 30 116 350 708 231 698 1409 347 1048 2117 462 1395 2819 577 1743 3520
31 29 126 381 769 252 761 1537 379 1145 2312 504 1522 3075 630 1903 3844
32 28 138 417 842 276 834 1684 414 1250 2526 551 1664 3362 689 2081 4204
33 27 151 456 921 302 912 1842 453 1368 2764 602 1818 3673 752 2271 4588
34 26 165 498 1007 330 997 2013 495 1495 3020 659 1990 4020 824 2489 5027
35 25 181 547 1104 362 1093 2209 543 1640 3313 722 2180 4405 902 2724 5503
36 24 198 598 1208 396 1196 2416 594 1794 3624 792 2392 4832 990 2990 6040
37 23 218 658 1330 436 1317 2660 654 1975 3990 870 2627 5308 1087 3283 6632
38 22 240 725 1464 480 1450 2928 720 2174 4393 957 2890 5839 1196 3612 7297
39 21 264 797 1611 528 1595 3221 792 2392 4832 1054 3183 6430 1318 3980 8041
40 20 291 879 1775 582 1758 3551 873 2636 5326 1164 3515 7101 1454 4391 8871

14