Atal Pension Yojana 2025: How to Apply And, Calculator And Login & Chart

Atal Pension Yojana :- Everyone wants to live peacefully in their old age without worrying about money, but for a lot of people who work in small jobs or in the unorganised sector, like daily wage workers, house helps, drivers, or street vendors, there is no regular and fixed income for them after retirement. So, while keeping this in mind and to help such people, the government started a scheme called the Atal Pension Yojana.

Through this, people can save a small amount every month and get a fixed pension after turning 60. How to it works and how to get the benefits of this scheme, how to use the Atal Pension Yojana calculator to know more about the same, keep reading this article.

What is Atal Pension Yojana?

Atal Pension Yojana, or APY, is a pension scheme started by the Government of India in 2015. It is mainly aimed at workers in the unorganized sector. Under this scheme, eligible people can get a fixed monthly pension of Rs1,000, Rs2,000, Rs3,000, Rs4,000, or Rs5,000 after they turn 60 years old. The pension amount depends on how much you contribute monthly and at what age you start the scheme. So in short, based on your age you will pay a small amount every month until you turn 60, After that, you’ll receive the selected pension for the rest of your life.

The Objective of Atal Pension Yojana Calculator

• The Atal Pension Yojana Calculator is a simple online tool that helps you to know:
• That How much Monthly contribution you should and need to make.
• And also, it will help you to know What pension you will receive after the age of 60.
• And your total investment amount
• Also, if you are eligible, it will show government co-contribution too.
• This tool will help you to plan your savings in a better way and also to understand how this scheme will benefit you in the long term.

How to Calculate Interest Return Under Atal Pension Yojana?

• So, Atal Pension Yojana does not provide interest like a bank FD or savings account. Instead of this, you contribute a fixed amount every month, and in return the government gives you assurance of a fixed pension based on your age and monthly contribution.
• Let’s understand this with an example:
• If you are 25 years old and want a pension of ₹5,000 per month, you will need to contribute around ₹376 per month until you turn 60.
• The APY calculator shows how much you need to pay based on your age and desired pension.

Benefits of Atal Pension Yojana Calculator

• It is easy to use, just select your age and the pension amount you want.
• You will get quick results; you will get to know your monthly contribution in seconds.
• It is basically a planning tool; it will help you plan your retirement savings in a better way.
• It also shows Government Contribution Information as it shows if you’re eligible for a co-contribution from the government.

Eligibility Criteria

• You must be an Indian citizen.
• You must be between 18 and 40 years old.
• You should have a savings bank account
• You should not be paying income tax (if you want govt. contribution too)

Helpful Summary of Atal Pension Yojana Calculator

Age	Monthly Contribution (for ₹5,000 pension)	Total Contribution (approx.)	Monthly Pension after 60
20	Rs218	Rs1,06,640	Rs5,000
25	Rs376	Rs1,57,920	Rs5,000
30	Rs577	Rs2,01,720	Rs5,000
35	Rs902	Rs2,16,480	Rs5,000
40	Rs1,454	Rs2,60,000+	Rs5,000

APY Chart

Age	Rs1,000	Rs2,000	Rs3,000	Rs4,000	Rs5,000
20	Rs42	Rs84	Rs126	Rs168	Rs210
25	Rs76	Rs151	Rs226	Rs301	Rs376
30	Rs116	Rs231	Rs347	Rs462	Rs577
35	Rs181	Rs362	Rs543	Rs722	Rs902
40	Rs291	Rs582	Rs873	Rs1,154	Rs1,454

Atal Pension Yojana Calculator

• You can use the APY calculator for free on:
• SBI or other bank websites
• NPS Trust site: https://npscra.nsdl.co.in
• Post Office official portals
• You just enter your age and pension amount

Download Registration Form

• You can get the APY registration form from:
• Your bank branch
• The official website of your bank
• Government websites like https://npscra.nsdl.co.in
• After filling the form, submit it to your bank. They will help you for the rest so that the amount is deducted every month automatically.

Required Documents

• Aadhar Card
• Age proof
• Mobile number
• Active savings bank account

FAQs

Is the pension guaranteed?

Yes. The government guarantees the pension amount chosen by you.

Is there tax benefit for APY?

Yes, contributions to APY are eligible for tax deduction

Can I exit from APY before 60?

Only in case of death or terminal illness. Otherwise, you have to continue till 60.