Atal Pension Yojana ki puri jankari.
Aap Non-Formal Sector (Asangathit kshestra) mein kamgar hain aur future mein lekar insecure feel karte hain. Old age mein apne jivan yapan ko lekar chintit hain, to yah vahi yojana ho sakti hain jo aapke budhape ka sahara ban sakti hain. Atal Pension Yojana mein na kewal aap kam rashi jama karwa kar har mahine ki pension ke hakdar ho sakte hain, balki death hone ke baad apne parivaar ko bhi iska fayda dilwa sakte hain.
Is pension yojana ke holder ki maut hone par uski patni ko pension milegi aur agar patni ki bhi maut ho jaye to uske baccho ko pension milti rahegi. Sabse badi baat yeh hain ki Jeevan bhar pension paane ke liye isme aajivan is khate mein paise nahi jama karwane hote hain. Saath hi PF khate ki hi tarah Govt. is pension yojana mein apni aor se bhi anshdan degi.
Sarkar ki declaration ke mutabik 18 se 40 varsh ki aayu ke beech koi bhi vyakti is yojana mein shamil ho sakta hain. Sarkar ne aayu aur Jitni pension aap har mahine lena chahte hain, Usi ke anusar har mahine paise jama karwane ki clear rule banaya hain. Maslan agar aap har mahine 1000 rupaye ki pension chahte hain aur aapki age 18 varsh hain, to aapko 42 saal tak har mahine 42 rupaye jama karwane honge. Vahi 40 saal ki umar valo ko 291 rupaye 20 saal tak har mahine jama karwane honge. 1000 Rupaye ki pension ke avedan karne wale vyakti ki agar maut ho jati hain, Uske nominal (Namankit uttar-adhikari) ko 1.7 Lakh rupaye diye jayenge. Isi tarah 2000, 3000, 4000 ya adhiktam 5000 rupaye ki pension chahne walo ke liye umar ke hisaab se prati maah premium dena hoga.
Maan lijiye aap is samay 30 saal ke hain aur aap chahte hain 5000 rupaye ki pension har saal mile , to aapko 30 saal tak har mahine 577 rupaye jama karwane honge. Aise logo ki agar samay se pahle maut ho jati hain, to uske nominee ( namankit uttar-adhikari) ko 8.5 Lakh rupaye milenge.
Atal Pension yojana 18 se 40 saal ki umar ke logo ke liye hain. Aapki umar is dayre mein kuch bhi ho, aapko adhiktam 60 saal ki umar tak Pension premium har mahine jama karwana hoga. Iske baad jis pension rashi ke liye apne khate (Bank Account) se paise jama karwaye hain, Usme pension har mahine aane lagegi.
Atal Pension Yojana mein aapke saath Sarkar bhi aarthik yogdan karegi. Sarkar ne ghoshna ki hain ki agar aap 31 December 2015 tak Atal Pension Yojana mein khata khulwate hain, to aane wale 5 saal tak 2019-20 tak sarkaar aapki jama rashi ka 50% ya adhiktam 1000 Rupaye per year (Dono mein se jo kam hoga) yogdan karegi. Halaki yeh yogdan usi khatadharak ko milega jo Income Tax nahi deta hain.
Govt. ne yeh yojana pahle ki NDA govt. ki swavalamban Yojana (National Pension Scheme- NPS light ) ki jagah launch ki hain. NPS Yojana ke liye jo Bank aur Societies kaam kar rahi thi vahi Atal Pension yojana ke liye registered ki gyi hain. Phil haal kai Public aur Private sector ke Bank National Pension Scheme ke tahat khata kholte hain. Sambhav hain ki vahi Bank jinme State Bank of India, Axis Bank, Allahabad Bank, State Bank of Mysore aadi hi nayi yojana mein khata khole.
Atal Pension Yojana mein Premium jama karwana bahut hi asaan hoga. Is yojana mein premium Auto-Debit suvidha ke tahat kiya jayega. Iske chalte aapko har mahine Bank mein nahi jana hoga. Premium ki rashi har mahine fix date par apne aap (Automatically) aapke bank account se Atal Pension yojana ke khate mein transfer ho jayegi.
Agar Consumer 42 Rupaye per month Atal Pension Yojana mein jama karwata hain to usay 60 saal ki umar ke baad 1000 rupees ki har mahine pension milegi. Agar grahak 210 rupaye har mahine Atal pension Yojana mein jama karwata hain to tab usay 60 saal ki umar ke baad 5000 rupaye per month pension milegi. Yaad rahe yeh formula 18 saal ki umar ke vyakti ke liye hain. Agar aapki umar 18 saal se jyada hain to aapko apne manpasand amount ki pension paane ke liye umar ke hisaab se alag-alag premium dena hoga.
Atal Pension Yojana Bharat Sarkar ne launch ki hain. Isliye is yojana ko lekar kisi confusion ya bhrm ki stithi nahi banti hain. Is yojana ko Pension Fund Regulatory & Development Authority nigrani kar rahi hain.
Sarkar ke budget ghoshna ke mutabik Swavlamban Yojana (National Pension Fund- NPS) mein khata khulwa chuke logo ko sidhe (Direct) Atal Pension Yojana mein bhagidaar banaya jayega. Yani ki unki purani Pension ko nayi pension yojana ke saath merge kar diya jayega.
Sarkaar ki ghoshna ke mutabik Aise log jo Income tax ke dayre mein aate hain, Sarkari karamchari hain ya pahle se hi EPF, EPS jaisi yojanaon mein shamil hain, Veh Atal Pension Yojana ka hissa nahi ban sakte hain. Halaki EPF khatadharko ko pension yojana mein hissa lene ke liye amendment jald hi pesh kiya ja sakta hain. Iske baad EPF account holders bhi pension yojana ka hissa ban sakenge.
Atal Pension Yojana mein Premium umar ke hisaab se kuch is tarah hogi :-
Tags :- Atal Pension Yojana ki puri jankari, Atal Pension Yojna, Atal pension Yojana Age requirment, Atal pension yojana ka premium kya hain, Atal pension yojana kinke liye hain, Atal Pension yojana ko join kaise kare. Indian Goverment Pension Scheme, Atal pension yojana ke labh, Atal pension yojana ke fayde, Budhape mein Aamdani, Old Age Pension in India Scheme, Private job pension scheme.
Atal Pension yojana 18 se 40 saal ki umar ke logo ke liye hain. Aapki umar is dayre mein kuch bhi ho, aapko adhiktam 60 saal ki umar tak Pension premium har mahine jama karwana hoga. Iske baad jis pension rashi ke liye apne khate (Bank Account) se paise jama karwaye hain, Usme pension har mahine aane lagegi.
Atal Pension Yojana mein aapke saath Sarkar bhi aarthik yogdan karegi. Sarkar ne ghoshna ki hain ki agar aap 31 December 2015 tak Atal Pension Yojana mein khata khulwate hain, to aane wale 5 saal tak 2019-20 tak sarkaar aapki jama rashi ka 50% ya adhiktam 1000 Rupaye per year (Dono mein se jo kam hoga) yogdan karegi. Halaki yeh yogdan usi khatadharak ko milega jo Income Tax nahi deta hain.
Govt. ne yeh yojana pahle ki NDA govt. ki swavalamban Yojana (National Pension Scheme- NPS light ) ki jagah launch ki hain. NPS Yojana ke liye jo Bank aur Societies kaam kar rahi thi vahi Atal Pension yojana ke liye registered ki gyi hain. Phil haal kai Public aur Private sector ke Bank National Pension Scheme ke tahat khata kholte hain. Sambhav hain ki vahi Bank jinme State Bank of India, Axis Bank, Allahabad Bank, State Bank of Mysore aadi hi nayi yojana mein khata khole.
Atal Pension Yojana mein Premium jama karwana bahut hi asaan hoga. Is yojana mein premium Auto-Debit suvidha ke tahat kiya jayega. Iske chalte aapko har mahine Bank mein nahi jana hoga. Premium ki rashi har mahine fix date par apne aap (Automatically) aapke bank account se Atal Pension yojana ke khate mein transfer ho jayegi.
Agar Consumer 42 Rupaye per month Atal Pension Yojana mein jama karwata hain to usay 60 saal ki umar ke baad 1000 rupees ki har mahine pension milegi. Agar grahak 210 rupaye har mahine Atal pension Yojana mein jama karwata hain to tab usay 60 saal ki umar ke baad 5000 rupaye per month pension milegi. Yaad rahe yeh formula 18 saal ki umar ke vyakti ke liye hain. Agar aapki umar 18 saal se jyada hain to aapko apne manpasand amount ki pension paane ke liye umar ke hisaab se alag-alag premium dena hoga.
Atal Pension Yojana Bharat Sarkar ne launch ki hain. Isliye is yojana ko lekar kisi confusion ya bhrm ki stithi nahi banti hain. Is yojana ko Pension Fund Regulatory & Development Authority nigrani kar rahi hain.
Sarkar ke budget ghoshna ke mutabik Swavlamban Yojana (National Pension Fund- NPS) mein khata khulwa chuke logo ko sidhe (Direct) Atal Pension Yojana mein bhagidaar banaya jayega. Yani ki unki purani Pension ko nayi pension yojana ke saath merge kar diya jayega.
Sarkaar ki ghoshna ke mutabik Aise log jo Income tax ke dayre mein aate hain, Sarkari karamchari hain ya pahle se hi EPF, EPS jaisi yojanaon mein shamil hain, Veh Atal Pension Yojana ka hissa nahi ban sakte hain. Halaki EPF khatadharko ko pension yojana mein hissa lene ke liye amendment jald hi pesh kiya ja sakta hain. Iske baad EPF account holders bhi pension yojana ka hissa ban sakenge.
Atal Pension Yojana mein Premium umar ke hisaab se kuch is tarah hogi :-
| Age jisme aap is yojana ko start karte hain | Kitne saal tak priemium dete hain | Monthly Premium ki average (in Rs) | Monthly Pension jo consumer ko milega (in Rs) | Family ko milne wala Total Amount(in Rs ) |
| 18 | 42 | 210 | 5000 | 8.5 lakhs |
| 20 | 40 | 248 | 5000 | 8.5 lakhs |
| 25 | 35 | 376 | 5000 | 8.5 lakhs |
| 30 | 30 | 577 | 5000 | 8.5 lakhs |
| 35 | 25 | 902 | 5000 | 8.5 lakhs |
| 40 | 20 | 1454 | 5000 | 8.5 lakhs |
Tags :- Atal Pension Yojana ki puri jankari, Atal Pension Yojna, Atal pension Yojana Age requirment, Atal pension yojana ka premium kya hain, Atal pension yojana kinke liye hain, Atal Pension yojana ko join kaise kare. Indian Goverment Pension Scheme, Atal pension yojana ke labh, Atal pension yojana ke fayde, Budhape mein Aamdani, Old Age Pension in India Scheme, Private job pension scheme.
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