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Atal Pension Yojana.
A guaranteed pension from 60, for life, then for your spouse, then the corpus to your nominee. What you pay each month depends only on the age you join and the pension you pick.
Only 18 to 40 can join. The younger you join, the less each month.
You pay every month
₹577
For 30 years, ₹2,07,720 in all. From 60 you get ₹5,000 a month for life, then your spouse does, then your nominee gets ₹8.5 L.
- Years of paying
- 30
- Total you pay
- ₹2,07,720
- Returned to nominee
- ₹8.5 L
- Same money at PPF's 7.1%
- ₹7.2 L
How it adds up
- You pay a month₹577
- times360 months, until 60₹2,07,720
- thenFrom 60, for life₹5,000/mo
- thenThen to your nominee₹8,50,000
What this assumes
The official contribution chart, monthly payments. Open to anyone aged 18 to 40 with a savings account, except those who have ever paid income tax, who cannot join from October 2022. The pension amount is fixed and does not rise with inflation.
Rules and rates from
Education only, not investment, tax or legal advice. I am not a SEBI-registered investment adviser.
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