Understanding the Atal Pension Yojana (APY) contribution chart is crucial for choosing the right pension plan. The APY scheme allows individuals to contribute based on their age and the desired monthly pension amount after retirement. This page provides a detailed breakdown of contributions and expected pension benefits.

Contribution & Pension Amount Breakdown

The contributions for APY vary depending on the age at enrollment and the monthly pension amount chosen. Below is a detailed chart showing the monthly contribution required for different pension amounts.

APY Contribution Chart

Key Takeaways from APY Contribution Chart

• Early Enrollment Benefits: The earlier you join, the lower your monthly contributions.
• Fixed Pension Amount: The pension is guaranteed by the government and starts at age 60.
• Auto-Debit Convenience: Monthly contributions are automatically deducted from your linked bank account.
• Flexibility to Upgrade: Subscribers can increase or decrease their contribution amount once a year.

Government Co-Contribution

For eligible subscribers who are not part of any statutory social security scheme, the government co-contributes 50% of the total contribution or ₹1,000 per year, whichever is lower, for 5 years.

How to Choose the Right APY Plan?

When selecting your APY plan, consider the following:

• Your current age – Younger applicants pay lower contributions.
• Desired pension amount – Higher pensions require higher monthly contributions.
• Financial commitment – Ensure a steady contribution to maintain the account.

How to Check and Modify Contributions?

• Check Balance & Contributions: APY subscribers can check their contribution details through net banking, mobile banking, and SMS alerts.
• Modify Contribution Amount: You can change your pension target once per financial year.
• APY Contribution Statements: Statements can be downloaded from your bank’s net banking portal or requested from your branch.