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stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-school mr-2 h-full"><path d="M14 22v-4a2 2 0 1 0-4 0v4"></path><path d="m18 10 4 2v8a2 2 0 0 1-2 2H4a2 2 0 0 1-2-2v-8l4-2"></path><path d="M18 5v17"></path><path d="m4 6 8-4 8 4"></path><path d="M6 5v17"></path><circle cx="12" cy="9" r="2"></circle></svg>Home Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a 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href="/home-loan/pradhan-mantri-awas-yojana.html" title="PMAY" aria-label="PMAY">PMAY</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Personal Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan Calculator" aria-label="Personal Loan Calculator">Personal Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Other Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/two-wheeler-loan.html" title="Two Wheeler Loan" aria-label="Two Wheeler Loan">Two Wheeler Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/education-loan.html" title="Education Loan" aria-label="Education Loan">Education Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-loan.html" title="Gold Loan" aria-label="Gold Loan">Gold Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/loan-against-property.html" title="Loan Against Property" aria-label="Loan Against Property">Loan Against Property</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mr-2 h-full"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg>Calculators <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan EMI Calculator" aria-label="Home Loan EMI Calculator">Home Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/tax/income-tax-calculator.html" title="Income Tax Calculator" aria-label="Income Tax Calculator">Income Tax Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/calculators.html" title="All Financial Calculators" aria-label="All Financial Calculators">All Financial Calculators</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Investments <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit-rate.html" title="Fixed Deposit" aria-label="Fixed Deposit">Fixed Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit-rates.html" title="Recurring Deposit" aria-label="Recurring Deposit">Recurring Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/savings-account.html" title="Savings Account" aria-label="Savings Account">Savings Account</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes.html" title="Saving Schemes" aria-label="Saving Schemes">Saving Schemes</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/silver-rate-india.html" title="Silver Rate" aria-label="Silver Rate">Silver Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/mutual-fund.html" title="Mutual Funds" aria-label="Mutual Funds">Mutual Funds</a></li></ul></div></details></div><span><a href="/credit-score.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-wallet-cards mr-2 h-full"><rect width="18" height="18" x="3" y="3" rx="2"></rect><path d="M3 9a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2"></path><path d="M3 11h3c.8 0 1.6.3 2.1.9l1.1.9c1.6 1.6 4.1 1.6 5.7 0l1.1-.9c.5-.5 1.3-.9 2.1-.9H21"></path></svg><span class="flex-auto "><strong><p class="text-sm ">Credit Score</p></strong></span><img src="https://static.bankbazaar.com/images/common/bbicons-menu-free-badge.webp" alt="FREE" title="FREE" width="40" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mr-2 h-full"><path d="M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z"></path><path d="M14 2v4a2 2 0 0 0 2 2h4"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg>Govt. Utility Documents <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/pan-card.html" title="Pan Card" aria-label="Pan Card">Pan Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/aadhar-card.html" title="Aadhaar Card" aria-label="Aadhaar Card">Aadhaar Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/voter-id.html" title="Voter ID" aria-label="Voter ID">Voter ID</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/electricity-bill.html" title="Electricity Bill" aria-label="Electricity Bill">Electricity Bill</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/driving-licence.html" title="Driving Licence" aria-label="Driving Licence">Driving Licence</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/passport.html" title="Passport" aria-label="Passport">Passport</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gas-connection.html" title="Gas Connection" aria-label="Gas Connection">Gas Connection</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/ration-card.html" title="Ration Card" aria-label="Ration Card">Ration Card</a></li></ul></div></details></div><span><a href="/getapp.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><span class="mr-2"><img src="https://static.bankbazaar.com/images/common/bbicons-menu-download-app.webp" alt="Download App" title="Download App" width="25" height="28" style="max-width:100%;display:inline"/></span><span class="flex-auto "><strong><p class="text-sm ">Download Mobile App</p></strong></span><img src="https://static.bankbazaar.com/images/common/bbicons-menu-android-star-badge.webp" alt="Badge" title="Badge" width="12" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-umbrella mr-2 h-full"><path d="M22 12a10.06 10.06 1 0 0-20 0Z"></path><path d="M12 12v8a2 2 0 0 0 4 0"></path><path d="M12 2v1"></path></svg>Insurance <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 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title="Employee Provident Fund" target="_blank" aria-label="Employee Provident Fund">EPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-your-epf-balance-online.html" title="Employee Provident Fund Balance" target="_blank" aria-label="Employee Provident Fund Balance">EPF Balance</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pf-withdrawal-rules.html" title="Provident Fund Withdrawal Rules" target="_blank" aria-label="Provident Fund Withdrawal Rules">PF Withdrawal Rules</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/epf-e-passbook.html" title="Employee Provident Fund Passbook" target="_blank" aria-label="Employee Provident Fund Passbook">EPF Passbook</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-pf-status-online.html" title="Provident Fund Status" target="_blank" aria-label="Provident Fund Status">PF Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/all-about-epf-claim-status.html" title="PF Claim Status" target="_blank" aria-label="PF Claim Status">EPF Claim Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/uan.html" title="Universal Account Number" target="_blank" aria-label="Universal Account Number">UAN</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/know-about-epfo-universal-account-number.html" title="Universal Account Number Registration" target="_blank" aria-label="Universal Account Number Registration">UAN Registration</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex 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Fund">PPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps.html" title="National Pension Scheme" target="_blank" aria-label="National Pension Scheme">NPS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps-calculator.html" title="National Pension Scheme Calculator" target="_blank" aria-label="National Pension Scheme Calculator">NPS Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-yojana-account.html" title="Sukanya Samriddhi Yojana Account" target="_blank" aria-label="Sukanya Samriddhi Yojana Account">Sukanya Samriddhi Yojana Account</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-account-calculator.html" title="Sukanya Samriddhi Calculator" target="_blank" aria-label="Sukanya Samriddhi Calculator">Sukanya Samriddhi Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/atal-pension-yojana.html" title="Atal Pension Yojana" target="_blank" aria-label="Atal Pension Yojana">Atal Pension Yojana</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-jan-dhan-yojana.html" title="Pradhan Mantri Jan Dhan Yojana" target="_blank" aria-label="Pradhan Mantri Jan Dhan Yojana">PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html" title="Zero Balance Account through PM Jan Dhan Yojana" target="_blank" aria-label="Zero Balance Account through PM Jan Dhan Yojana">Zero Balance Account through PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html" title="Pradhan Mantri Vaya Vandana Yojana" target="_blank" aria-label="Pradhan Mantri Vaya Vandana Yojana">PMVVY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/vpf.html" title="Voluntary Provident Fund" target="_blank" aria-label="Voluntary Provident Fund">VPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/kisan-vikas-patra.html" title="Kisan Vikas Patra" target="_blank" aria-label="Kisan Vikas Patra">Kisan Vikas Patra</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/senior-citizen-saving-scheme.html" title="Senior Citizen Savings Scheme" target="_blank" aria-label="Senior Citizen Savings Scheme">SCSS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nsc.html" title="National Savings Certificate" target="_blank" aria-label="National Savings Certificate">NSC</a></li></ul></div></div><div data-inline-ad-position="LEFT_NAV"></div></aside></div><div class=" lg:col-span-10 md:col-span-10 col-span-12"><div class="flex flex-col gap-2.5 px-1"><div class="items-center flex gap-2.5"><h1 class="text-xl font-bold ">Atal Pension Yojana (APY) 2024 </h1></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-primary-light"><div class="p-2.5"><div class="pr-md font-large" style="max-height:500px;overflow-y:auto"><h2 class="text-lg font-bold pt-5">What is the Atal Pension Yojana?</h2><p class="text-base ">The<strong> Atal Pension Yojana</strong> (APY) is a government-backed pension scheme for India's unorganized sector, available to individuals aged 18-40 who are not income tax payees. It provides fixed monthly pensions ranging from Rs.1,000 to Rs.5,000 after the age of 60, based on contributions, with government co-contributions and tax benefits. Managed by the Pension Fund Regulatory and Development Authority (PFRDA), it ensures financial security and a risk-free savings option.</p></div></div></div><div><div class="mb-xl"><span style="background-color:#ffff009c" class="mb-xl"></span></div><div class="flex flex-col gap-1"><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/atal-pension-yojana-scheme.webp" alt="APY" title="Atal Pension Yojana" width="400" height="250" loading="lazy" style="max-width:100%;display:block;float:left;margin:0 auto"/></div><p class="text-base "><strong>The following are the details regarding APY scheme:</strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Initiated by the Indian government, the Atal Pension Yojana is a social security program that aims to give all Indian citizens a reliable income after they turn 60.<br/></li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">In other words, it is a pension program that primarily serves those who work in the informal economy, such as housekeepers, maids, deliverymen, gardeners, etc.聽</li></ol></div><div><div class="flex flex-col gap-1"><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The main objective of this scheme is to give Indian citizens a sense of security by ensuring that they are not concerned about unexpected illness, accidents, or chronic illnesses in their old age. </li><li class="pt-1 pb-1">Employees in the private sector and those working for organisations that do not offer pension benefits are also eligible to apply, so it is not just the unorganised sector.聽</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Atal Pension Yojana Information</h2><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Feature</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Details</strong>聽</p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Pension Amount</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Up to <strong>Rs.5,000</strong>聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Age Limit</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>18 to 40 years</strong>聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Contribution Period</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum <strong>20 years</strong>聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Exit Age</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>60 years</strong>聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Automatic Debit</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Monthly contributions auto debited; ensure sufficient funds.聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Assured Pension</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Choose from <strong>Rs.1,000 to Rs.5,000</strong>聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Contribution Flexibility</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Adjust contributions annually.聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Withdrawal Conditions</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Exit at <strong>60 years</strong>; early withdrawal only due to death or terminal illness.聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Tax Exemption</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Exemptions under <strong>Section 80CCD</strong>; max <strong>Rs.1,50,000</strong> plus <strong>Rs.50,000</strong> for APY contributions.聽</p></td></tr></tbody></table></div><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Objectives of Atal Pension Yojana</h2><p class="text-base ">The main objective of the Atal Pension Yojana can be summed up as follows:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Provision of security and protection of citizens against illness, accidents, diseases, and so on.</li><li class="pt-1 pb-1">This scheme is mainly aimed at the unorganized sector in the country.</li><li class="pt-1 pb-1">Under the APY, will receive monthly payments from their accrued corpus. If a beneficiary passes away, the pension payments will be made to their spouse. In the event of both the beneficiary and their spouse鈥檚 death, a lump sum payment will be made to the nominee.<br/></li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Benefits of Atal Pension Yojana</h2><p class="text-base ">The benefits of Atal Pension Yojana are as follows:聽聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Provides financial security against illness, accidents, and other risks for unorganised sector workers.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Backed by the Government of India, ensuring low investment risk.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Accessible to Indian residents, including self-employed and salaried individuals.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Offers guaranteed monthly pensions of Rs.1000 to Rs.5000, based on contributions.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Monthly pension continues to spouse upon beneficiary鈥檚 death; a lump sum is paid to the nominee if both beneficiary and spouse pass away.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Tax benefits on contributions under Section 80CCD (1) of the Income Tax Act, 1961.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Flexible contribution options: monthly, quarterly, or half-yearly.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Subscription available for workers in both organised and unorganised sectors.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Allows adjustment of pension amount (upgrade or downgrade) as per subscriber choice.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Eligible for individuals with other private or government pension schemes.聽</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Atal Pension Yojana Eligibility</h2><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Indian citizen aged 18 to 40 years.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Active mobile number and bank account linked to Aadhaar.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Complete 'Know Your Customer' (KYC) requirements.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">No existing APY account.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Minimum contribution period of 20 years.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Ineligible for other social welfare programmes.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Swavalamban Scheme beneficiaries are eligible and transferred to APY.</li></ol><h2 class="text-lg font-bold pt-5">Registration and Login of APY Account</h2><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">You can register to Atal Pension Yojana account through any banks in India聽</li><li class="pt-1 pb-1">Any Indian banks can assist you to register for APY via NSDL or Karvy聽</li><li class="pt-1 pb-1">you will be provided a PRAN (Permanent Retirement Account Number) after completing your registration聽</li><li class="pt-1 pb-1">You will need PRAN and applicable APY account password to log into your APY account聽</li><li class="pt-1 pb-1">You can also log into your APY account using your PRAN and account number via NSDL portal</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">How to Open an Atal Pension Yojana Account?</h2><p class="text-base ">The following are the steps to open an Atal Pension Yojana Account:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Visit your local bank branch, and submit dully filled PAY registration form聽</li><li class="pt-1 pb-1">Provide the required details, such as:聽<ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Bank account number</li><li class="pt-1 pb-1">Aadhar Number</li><li class="pt-1 pb-1">Mobile number</li></ol></li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">At the time of account opening, the first contribution amount will be deducted from your linked bank account聽</li><li class="pt-1 pb-1">Acknowledgment Number or PRAN Number will be issued by the bank聽</li><li class="pt-1 pb-1">The further contributions will be done automatically from your bank account</li></ol><h2 class="text-lg font-bold pt-5">How to Download the APY Form?</h2><p class="text-base ">You can avail the Atal Pension Yojana (APY) account opening form by using any one of the following methods:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">You can collect the form from any nearby branch office of any participant bank.</li><li class="pt-1 pb-1">You can download and get a print of the form from the official websites of the participant banks, provided they have the facility for the same.</li><li class="pt-1 pb-1">You can download the APY account opening form from the official website of the Pension Fund Regulatory and Development Authority (PFRDA).</li></ol><div class="text-center px-2.5 py-1">Download  聽<a href="https://static.bankbazaar.com/images/india/infographic/atal-pension-yojana-form1.pdf" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Application Form">Application Form</a>聽 </div><h2 class="text-lg font-bold pt-5">How to Fill the Atal Pension Yojana Form?</h2><p class="text-base ">Once you have procured the form for the Atal Pension Yojana Scheme, filling it is simple.</p><p class="text-base "><strong>Step 1: Addressing the form</strong></p><p class="text-base ">You have to address the form to the Branch Manager. You can find out the name of your Branch Manager by calling or visiting the bank. Enter your bank name and branch.</p><p class="text-base "><strong>Step 2: Bank details</strong></p><p class="text-base ">Fill the form in BLOCK letters. First, you are required to provide your bank details. Enter your bank account number, bank name and bank branch. This field is compulsory.</p><p class="text-base "><strong>Step 3: Personal details</strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Tick the box that is applicable that indicates whether you are '<strong>Shri</strong>', '<strong>Smt</strong>' or '<strong>Kumari</strong>'. Tick '<strong>Shri</strong>' if you are a male applicant. Tick '<strong>Smt</strong>' if you are a married female applicant. Tick '<strong>Kumari</strong>' if you are a single female applicant.</li><li class="pt-1 pb-1">Married applicants must enter their spouse's name.</li><li class="pt-1 pb-1">Enter your full name, date of birth, and age.</li><li class="pt-1 pb-1">Provide your mobile number, email address and Aadhaar number.</li><li class="pt-1 pb-1">You can then nominate someone and state their relationship to you. A nominee will receive your contribution in case of your death.</li><li class="pt-1 pb-1">If the nominee is a minor, you need to provide their date of birth and guardian's name.</li><li class="pt-1 pb-1">You must also state if the nominee has any other statutory social security schemes and if they are income taxpayers.</li></ol><p class="text-base "><strong>Step 4: Pension details聽</strong></p><p class="text-base ">You can contribute towards your pension, between Rs.1,000 and Rs.5,000 with options in the form as Rs.1,000, Rs.2,000, Rs.3,000, Rs.4,000, and Rs.5,000. The box below titled; 'Contribution Amount (Monthly)' is to be left blank as the bank will fill that in after calculating the amount you have to pay every month to receive the pension.</p><p class="text-base ">The calculation will be based on your entry age. For example, for a pension of Rs.2,000, if your entry age is 25 years, you will have to pay Rs.151 per month.</p><p class="text-base "><strong>Step 5: Declaration and Authorisation</strong></p><p class="text-base ">You need to fill in the date and place. You can either sign the document or put a thumb impression. By signing the document, you declare that you meet the Atal Pension Yojana eligibility criteria, and that you have read and understood the terms and conditions of the scheme. You declare that all the information you have written is correct as far as you know. If any changes have to be made to the information provided, you will contact the bank immediately. You also declare that you do not have any account under <a href="/saving-schemes/nps.html" target="_blank">NPS</a> (National Pension System). You will be held liable for any false or incorrect information knowingly provided.</p><p class="text-base "><strong>Step 6: To be filled in by the bank</strong></p><p class="text-base ">The last section of the Atal Pension Scheme form, titled 'Acknowledgement - Subscriber Registration for Atal Pension Yojana (APY)' is to be filled in by the bank. It is an acknowledgement from the bank that they will subscribe to the Atal Pension Yojana Scheme for you. After you submit the form, the bank agent will fill it out.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163314&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON 163314" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">What is the Investment Plan for the Atal Pension Yojana (APY)?</h2><p class="text-base ">The returns for the Atal Pension Yojana (APY) are guaranteed. The different strands under which your money is invested are as follows:</p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Type of Investment</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Quantum of Investment</p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Government Securities</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">45% to 50%</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Term deposits of banks and debt securities</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">35% to 45%</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Equity and equity-related instruments</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5% to 15%</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Asset Backed Securities and so on</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Up to 5%</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Money Market Instruments</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Up to 5%</p></td></tr></tbody></table></div><h2 class="text-lg font-bold pt-5">How to Contribute in APY Account?</h2><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/apy.webp" alt="Atal Pension Yojana" title="Atal Pension Yojana" width="300" height="200" style="max-width:100%;display:block;float:left;margin:0 auto"/></div><p class="text-base ">The following are ways to contribute to APY account:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">You need to provide auto-debit instruction by providing savings bank account details, your mobile number and authorization letter to the bank聽</li><li class="pt-1 pb-1">Contributions can be done either monthly, quarterly, or half-yearly聽</li><li class="pt-1 pb-1">Due date of the contribution will be based on the first date of contribution made聽</li><li class="pt-1 pb-1">for scheduled transfer of money to APY scheme, the linked account should have sufficient fund聽</li><li class="pt-1 pb-1">To avoid future disputes of rights and entitlements of pension and corpus, Aadhar must be submitted as the primary document for KYC (Know Your Customer) to identify subscriber, spouse, and nominee.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163314&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON 163314" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Can you change your APY Pension Payout?</h2><p class="text-base ">Here are the following details regarding the APY Pension payout:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The pension amount can be changed during the contribution made once a year in the month of April聽</li><li class="pt-1 pb-1">Upgrading or downgrading of the APY account can be done by paying an amount of Rs.25 to the bank聽</li><li class="pt-1 pb-1">The differential amount is credited directly to the account linked with APY scheme in case of downgrade of pension聽</li><li class="pt-1 pb-1">Long term commitment of the subscriber is vital as subscription should be made for at least for 20 years聽</li></ol><h3 class="text-md font-bold pt-5">What happens if You Fail to Contribute to APY?聽</h3><p class="text-base ">The following are the consequences of failing to make regular contributions to the pension scheme:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">After 12 months of non-payment of APY contribution, APY account gets deactivated聽</li><li class="pt-1 pb-1">After six months of non-payment of APY contributions, the APY accounts gets frozen聽</li><li class="pt-1 pb-1">After 24 months of non-payment of APY contributions, the APY account gets closed automatically聽</li><li class="pt-1 pb-1">The due amount can be recovered by the fund anytime if there is fund available in APY-linked bank account聽</li><li class="pt-1 pb-1">Mobile alerts are sent to the registered mobile number of the subscriber to prevent late payment聽</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h3 class="text-md font-bold pt-5">How is APY Money Invested?</h3><p class="text-base ">The following is the details as to how investment is made to APY scheme:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Government Securities: Minimum and maximum contribution is 45% and 50%, respectively聽</li><li class="pt-1 pb-1">Debt Securities and term deposits of banks: Minimum and maximum contribution is 35% and 45%, respectively聽</li><li class="pt-1 pb-1">Equity and related instrument: Minimum and maximum contribution is 5.00% and 15%, respectively聽</li><li class="pt-1 pb-1">Asset Backed Securities etc.: Maximum contribution is 5.00%聽</li><li class="pt-1 pb-1">Money Market Instruments: Maximum contribution is 5.00%聽</li></ol><p class="text-base "><strong>Note:</strong>聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Investment detail does not matter much in APY compared to NPS as it offers guaranteed benefits聽</li><li class="pt-1 pb-1">Investment returns is considered only when returns generated exceed the guaranteed pension amount聽</li><li class="pt-1 pb-1">In case of death of the subscriber, higher pension amount or higher return of corpus is paid to the nominees</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163314&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON 163314" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Atal Pension Yojana Calculation</h2><p class="text-base ">Here are the following details regarding to Atal Pension Yojana calculation:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The calculation of APY is based on amount of pension the applicant wants to receive and the age of enrollment of the subscriber聽</li><li class="pt-1 pb-1">In case of early enrollment in the scheme, the monthly contributions are comparatively lesser than late enrollment聽</li><li class="pt-1 pb-1">At the age of 18 years, minimum contribution should be Rs.42 to get Rs.1000聽</li><li class="pt-1 pb-1">At the age of 40 years, minimum contribution should be Rs.1454 to get Rs.5000聽</li><li class="pt-1 pb-1">APY calculation is done depending on the contribution made to the scheme either monthly, quarterly or half-yearly聽</li></ol><h3 class="text-md font-bold pt-5">Indicative APY Contribution Chart</h3><p class="text-base ">Here are the APY contribution charts based on contributions made:</p><p class="text-base "><strong>Monthly聽Contribution Amount Required:</strong></p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Entry Age in Years聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Total Years of Contribution聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Monthly Pension of Rs. 1000聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Monthly Pension of Rs. 2000</strong>聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Monthly Pension of Rs. 4000聽聽</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Monthly Pension of Rs. 5000</strong>聽</p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">18聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">42聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">42聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">84聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">168聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">210聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">19聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">41聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">46聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">92聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">183聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">228聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">29聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">40聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">50聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">100聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">198聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">248聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">21聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">39聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">54聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">108聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">215聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">269聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">22聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">38聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">59聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">117聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">234聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">292聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">23聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">37聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">64聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">127聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">254聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">318聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">24聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">36聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">70聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">139聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">277聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">346聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">25聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">35聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">76聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">151聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">301聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">376聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">26聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">34聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">82聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">164聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">327聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">409聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">27聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">33聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">90聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">178聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">356聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">446聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">28聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">32聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">97聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">194聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">388聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">485聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">29聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">31聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">106聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">212聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">423聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">529聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">30聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">30聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">116聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">231聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">462聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">577聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">31聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">29聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">126聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">252聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">504聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">630聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">32聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">28聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">138聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">276聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">551聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">689聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">33聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">27聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">151聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">302聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">602聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">752聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">34聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">26聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">165聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">330聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">659聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">824聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">35聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">26聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">181聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">362聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">722聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">902聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">36聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">24聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">198聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">396聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">792聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">990聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">37聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">23聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">218聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">436聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">870聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1087聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">38聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">22聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">240聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">480聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">957聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1196聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">39聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">21聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">264聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">528聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1054聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1318聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">40聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">20聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">291聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">582聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1164聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1454聽</p></td></tr></tbody></table></div><p class="text-base "><strong>Quarterly聽</strong><strong>Contribution Amount Required:</strong></p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Entry Age in Years聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Total Years of Contribution聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Monthly Pension of Rs. 1000聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Monthly Pension of Rs. 2000聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Monthly Pension of Rs. 3000聽聽</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Monthly Pension of Rs. 4000聽</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Monthly Pension of Rs. 5000聽</strong></p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">18聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">42聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">125聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">250聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">376聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">501聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">626聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">19聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">41聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">137聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">274聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">411聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">545聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">679聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">29聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">40聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">149聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">298聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">447聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">590聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">739聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">21聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">39聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">161聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">322聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">483聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">641聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">802聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">22聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">38聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">176聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">349聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">527聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">697聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">870聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">23聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">37聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">191聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">378聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">572聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">757聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">948聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">24聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">36聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">209聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">414聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">620聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">826聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1031聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">25聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">35聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">226聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">450聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">674聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">897聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1121聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">26聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">34聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">244聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">489聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">733聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">975聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1219聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">27聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">33聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">268聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">530聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">799聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1061聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1329聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">28聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">32聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">289聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">578聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">870聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1156聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1445聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">29聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">31聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">316聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">632聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">948聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1261聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1577聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">30聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">30聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">346聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">688聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1034聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1377聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1720聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">31聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">29聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">376聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">751聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1129聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1502聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1878聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">32聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">28聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">411聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">823聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1234聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1642聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2053聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">33聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">27聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">450聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">900聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1350聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1794聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2241聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">34聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">26聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">492聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">983聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1475聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1964聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2456聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">35聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">26聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">539聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1079聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1618聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2152聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2688聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">36聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">24聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">590聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1180聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1770聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2360聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2950聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">37聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">23聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">650聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1299聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1949聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2593聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3239聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">38聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">22聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">715聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1430聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2146聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2852聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3564聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">39聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">21聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">787聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1574聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2360聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3141聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3928聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">40聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">20聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">867聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1734聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2602聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3469聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">4333聽</p></td></tr></tbody></table></div><p class="text-base "><strong>Half-Yearly聽</strong><strong>Contribution Amount Required:</strong></p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Entry Age in Years聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Total Years of Contribution聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Monthly Pension of Rs. 1000聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Monthly Pension of Rs. 2000聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Monthly Pension of Rs. 3000聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Monthly Pension of Rs. 4000聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Monthly Pension of Rs. 5000聽</p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">18聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">42聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">248聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">496聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">744聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">991聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1239聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">19聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">41聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">271聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">543聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">814聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1080聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1346聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">29聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">40聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">295聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">590聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">885聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1169聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1464聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">21聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">39聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">319聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">637聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">956聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1269聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1588聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">22聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">38聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">348聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">690聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1045聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1381聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1723聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">23聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">37聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">378聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">749聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1133聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1499聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1877聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">24聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">36聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">413聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">820聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1228聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1635聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2042聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">25聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">35聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">449聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">891聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1334聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1776聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2219聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">26聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">34聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">484聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">968聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1452聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1930聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2414聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">27聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">33聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">531聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1050聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1582聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2101聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2632聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">28聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">32聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">572聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1145聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1723聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2290聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2862聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">29聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">31聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">626聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1251聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1877聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2496聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3122聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">30聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">30聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">685聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1363聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2048聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2727聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3405聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">31聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">29聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">744聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1487聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2237聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2974聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3718聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">32聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">28聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">814聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1629聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2443聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3252聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">4066聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">33聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">27聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">891聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1782聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2673聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3553聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">4438聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">34聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">26聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">974聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1948聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2921聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3889聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">4863聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">35聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">26聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1068聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2136聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3205聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">4261聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5323聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">36聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">24聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1169聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2337聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3506聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">4674聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5843聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">37聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">23聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1287聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2573聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3860聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5134聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">6415聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">38聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">22聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1416聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2833聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">4249聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5648聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7058聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">39聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">21聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1558聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3116聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">4674聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">6220聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7778聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">40聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">20聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1717聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3435聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5152聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">6869聽聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8581聽</p></td></tr></tbody></table></div><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163314&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON 163314" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">How to Withdraw Money from APY Account?</h2><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">1. Determine Eligibility for Withdrawal聽Withdrawal from the Atal Pension Yojana (APY) is only allowed in exceptional cases, such as terminal illness. Normal exits are permitted only after reaching 60 years of age.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">2. Submit the APY Account Closure Form聽For voluntary exit, complete and sign the APY Account Closure Form (Voluntary Exit) and submit it at the bank where your account is held.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">3. Bank Processes Closure Request聽Once the form is received, the bank will process your closure request. They will calculate the total contributions plus interest accrued to your account.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">4. Deduction of Applicable Charges聽Any APY account closure or maintenance charges will be deducted from the total amount.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">5. Receive Balance Amount聽The remaining balance, after deductions, will be credited to your bank account. Note that cash payouts are not made under existing APY rules.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">6. Withdrawal Procedure Post-60 Years聽If you are over 60 years old, you can exit the scheme by applying for your pension directly at the bank.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">7. Provision for Early Withdrawal聽In the case of death before 60, the spouse will receive the pension. If both you and your spouse pass away, the pension will be paid to your nominee.聽</li></ol><h2 class="text-lg font-bold pt-5">Atal Pension Yojana Withdrawal Procedure:</h2><p class="text-base ">Although initially this scheme did not permit exiting before you reach the age of 60, the Atal Pension Yojana withdrawal procedure has been slightly modified:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>If you have reached 60 years of age,</strong> then you can exit this scheme with a complete annuitization of the pension amount. You will have to visit the bank and apply for your pension.</li><li class="pt-1 pb-1"><strong>You can exit the scheme before turning 60 years old</strong> only under exceptional circumstances such as terminal illness or death. In case of your demise before reaching the age of 60, your spouse will receive your pension. In the event that both you and your spouse have expired, the pension would be paid to your nominee.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h3 class="text-md font-bold pt-5">Check Account Statement Online</h3><p class="text-base ">The following are the ways to check the account statement online:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The APY account statement can be checked online if someone is already a subscriber and have a valid PRAN (Permanent Retirement Account Number)聽</li><li class="pt-1 pb-1">Atal Pension Yojana Account Statement can be checked online by visiting the NSDL website if an individual is registered with NSDL CRA. Here are the following ways to check the account:聽<ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">For individuals who have PRAN, they require only the account number to check the online APY statement聽</li><li class="pt-1 pb-1">You will have to provide the following details:聽<ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Name of the subscriber聽</li><li class="pt-1 pb-1">Bank account number聽</li><li class="pt-1 pb-1">Date of Birth as per APY records聽</li></ol></li></ol></li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">You can also receive your APY account statement online via your registered email address聽</li></ol><h3 class="text-md font-bold pt-5">Atal Pension Yojana App</h3><p class="text-base ">Here are the necessary details related to Atal Pension Yojana application:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">To enable easy access to APY account for subscribers, PFRDA introduced Atal Pension Yojana App聽</li><li class="pt-1 pb-1">The application provides the following services:聽<ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">APY account balance聽</li><li class="pt-1 pb-1">Details of next contribution is due聽</li><li class="pt-1 pb-1">APY account details聽</li><li class="pt-1 pb-1">APY transactions list, etc.聽</li></ol></li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The application is available on every Android device for free of cost</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Atal Pension Yojana Penalty Charges:</h2><p class="text-base ">Here is a table outlining the penalty charges for delayed payments under the Atal Pension Yojana (APY):聽</p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Contribution Amount (per month)</strong>聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Penalty Charge</strong>聽</p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Up to Rs.100聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rs.1聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rs.101 to Rs.500聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rs.2聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rs.501 to Rs.1,000聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rs.5聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Above Rs.1,001聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rs.10聽</p></td></tr></tbody></table></div><p class="text-base "><strong>Note:</strong> The APY penalty charges are fixed amounts based on the pension contribution amount.聽</p><h2 class="text-lg font-bold pt-5">Tax Benefits for APY Subscribers</h2><p class="text-base ">The following are the details regarding tax benefits for APY subscribers:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">APY scheme is a government notified scheme that offers exception under Section 80C of the Income Tax Act 1961聽</li><li class="pt-1 pb-1">It offers tax exemption benefits up to the Rs. 1.5 lakh cumulative annual limit聽</li><li class="pt-1 pb-1">Under the relatively newer Section 80CCD (1) of the Income Tax Act, 1961, APY also offers additional benefit of Rs.50,000 annually聽</li><li class="pt-1 pb-1">This additional benefit is similar to that applied to the National Pension Scheme which is over and above the Rs.1.50 lakh annual tax exemption benefit聽</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163314&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON 163314" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h3 class="text-md font-bold pt-5">APY Account Closure and Exit</h3><p class="text-base ">The following are the details regarding APY account closure, co-contribution, and exit:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Closure and exit from APY account are allowed in case of exceptional circumstances, such as terminal illness聽</li><li class="pt-1 pb-1">As per details provided in the APY account opening form, the entire corpus amount is paid to the nominee in case of death of the subscriber聽</li><li class="pt-1 pb-1">In Inorganised sector, co-contribution is available among the workers聽</li><li class="pt-1 pb-1">In co-contribution, 50% of the amount or Rs.1000 whichever is lower will be contributed by the government聽</li><li class="pt-1 pb-1">Co-contribution will be done by the government only for a period of five years聽</li><li class="pt-1 pb-1">Subscribers cannot be members of any statutory social security scheme and also should not pay income tax to enjoy co-contribution聽</li></ol><p class="text-base "><i><strong>Note:</strong> Income of the subscriber should be less than the income tax threshold.</i></p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Features of the Atal Pension Yojana:</h2><p class="text-base ">The main features of the APY scheme are mentioned below:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The Indian Government guarantees the minimum pension that will be paid to the individual after retirement.</li><li class="pt-1 pb-1">Under <a href="/tax/section-80ccd.html" target="_blank">Section 80CCD</a>, individuals are eligible for <a href="/saving-schemes/atal-pension-yojana-tax-benefits.html" target="_blank">Atal Pension Yojana tax benefits</a> for the contributions made towards the scheme.</li><li class="pt-1 pb-1">All bank account holders are eligible to join the APY scheme.</li><li class="pt-1 pb-1">Individuals will start receiving pension once they reach the age of 60.</li><li class="pt-1 pb-1">Private sector employees who are not provided any pension benefits are also allowed to apply for Atal Pension Yojana scheme.</li><li class="pt-1 pb-1">You have an option of receiving a fixed pension of Rs.1,000, Rs.2,000, Rs.3,000, Rs.4,000, or Rs.5,000 once you reach 60 years of age.</li><li class="pt-1 pb-1">In case of your demise during the scheme, your spouse can either claim the contributions or complete the duration of the scheme.</li></ol><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Restrictions on age:</strong> Anyone who is at least 18 years old and under 40 can choose to put money in the Atal Pension Yojana. As a result, college students can invest in this plan to build a corpus for their retirement. The maximum age requirement for participation in the program is 40 years, as at least 20 years' worth of contributions must be made.聽聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Automatic debit: </strong>The Atal Pension Yojana's automatic debit feature is one of its main conveniences. A beneficiary's bank account is connected to his or her pension accounts, and the monthly contributions are debited directly from those accounts. Therefore, those who have signed up for this scheme must make sure their account has enough money in it to accommodate such an automatic debit; otherwise, they risk being penalised.聽聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Assured pension:</strong> Depending on their monthly contributions, scheme participants have the option of receiving a periodic pension of Rs.1000, Rs.2000, Rs.3000, Rs.4000, or Rs.5000.聽聽聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Possibility of raising contributions:</strong> As previously stated, a person's contributions determine the pension amount they are eligible to receive when they turn 60. There are various contributions, which translate into various pension sums.聽And it's possible that people will choose to increase their pension account contributions as a result of increased financial capability in order to secure a larger retirement income later on in the scheme's life. To help with this provision, the government offers the option to alter the corpus amount by increasing or even decreasing one's contributions once a year.聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Withdrawal policies:</strong> After closing the scheme with the appropriate bank, a beneficiary who has reached the age of 60 may be eligible to annuitize the entire corpus amount, i.e., receive monthly pensions. The only ways to leave this scheme before turning 60 are through death or terminal illness.聽A beneficiary's spouse is eligible to receive a pension in the event that the beneficiary passes away before turning 60. As a result, the spouse has the choice of leaving the pension plan with the corpus or continuing to receive benefits.聽聽Individuals will only receive a refund for their total contributions and any interest earned if they decide to leave the program before turning 60.聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Exemption from Tax:</strong> Section 80CCD of the Income Tax Act of 1961 allows for tax exemption on individual contributions made to the Atal Pension Yojana. The maximum exemption permitted under Section 80CCD (1) is 10% of the concerned person's gross total income, up to a maximum of Rs.1,50,000. Section 80CCD permits an additional tax break of Rs.50,000 for contributions to the Atal Pension Yojana Scheme (1B).聽Though these tax benefits can be obtained according to specific provisions stated in the Income Tax Act, it is still advisable to consult a professional before applying for these exemptions.聽</p></td></tr></tbody></table></div><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Atal Pension Yojana Tax Benefits聽</h2><p class="text-base ">Section 80CCD of the Income Tax Act, 1961 permits deductions for individual contributions made under the Atal Pension Yojana. Section 80CCD (1) of the Income Tax Act, 1961 allows a maximum deduction of 10% of gross total income, subject to an annual maximum deduction of Rs.1.5 lakh as specified by section 80CCE of the Income Tax Act.聽</p><p class="text-base ">A further deduction of Rs.50,000 per year is allowed under section 80CCD(1B) of the Income Tax Act, 1961 for an additional contribution of Rs.50,000 annually. According to the Income Tax Act of 1961, certain requirements must be met in order to qualify for these deductions.聽聽</p><h3 class="text-md font-bold pt-5">Customer Support Toll Free Number</h3><p class="text-base ">Here are the following details related to customer support toll-free number:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">There is no specific customer support toll-free number for APY scheme as the account can be opened at any of the banks in India聽</li><li class="pt-1 pb-1">The contact point for your APY account will be the corresponding bank where you have opened the account聽</li><li class="pt-1 pb-1">You can even reach out for any of your queries related to APY scheme at:聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">CRA (Central Recordkeeping Agency): <a href="tel:1800-222-080" target="_blank">1800-222-080</a>聽</li><li class="pt-1 pb-1"><strong>NPS Helpdesk:</strong> <a href="tel:1800-110-708" target="_blank">1800-110-708</a><br/></li></ol></div><h2 class="text-lg font-bold pt-4">FAQs on Atal Pension Yojana</h2><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>How many Atal Pension Yojana accounts can a subscriber open?</strong><p class="text-base ">A single subscriber is allowed to open only one Atal Pension Yojana account, which will remain unique to them.</p></li><li class="pt-1 pb-1"><strong>Can I open an Atal Pension Yojana account without holding a savings account?</strong><p class="text-base ">No, it is mandatory for the applicants to hold a savings bank account while applying for this scheme.</p></li><li class="pt-1 pb-1"><strong>Can I join the Atal Pension Yojana scheme without holding an Aadhaar number?</strong><p class="text-base ">When opening the Atal Pension Yojana account, an Aadhaar number is not required, but Aadhaar details would be needed for enrolling beneficiaries, spouses, and identifying nominees.</p></li><li class="pt-1 pb-1"><strong>How is the due date for the monthly contribution decided?</strong><p class="text-base ">The due date is decided based on the first deposit date.</p></li><li class="pt-1 pb-1"><strong>If I want to open an Atal Pension Yojana account, what is the procedure to be followed?</strong><p class="text-base ">Fill the Atal Pension Yojana subscription form. Provide your Aadhaar number and a valid mobile number. Then submit the APY form to the bank and set auto-debits from your bank account. Ensure you have a sufficient balance in your account to make regular contributions.</p></li><li class="pt-1 pb-1"><strong>Is it mandatory to submit the Aadhaar number while registering for this scheme?</strong><p class="text-base ">It is not mandatory to provide the Aadhaar number while subscribing, but the Aadhaar card will be the primary KYC document required by banks to identify beneficiaries, nominees and the subscriber's spouse.</p></li><li class="pt-1 pb-1"><strong>Can members of the Employees Provident Fund (EPF) enroll for the Atal Pension Yojana scheme?</strong><p class="text-base ">Yes, Employees Provident Fund (EPF) Subscribers are also eligible to enrol for the Atal Pension Yojana scheme.</p></li><li class="pt-1 pb-1"><strong>Is it mandatory for subscribers to give a nomination when they join the Atal Pension Yojana scheme?</strong><p class="text-base ">Yes, nominations are mandatory. The nominee details have to be provided along with spouse's details while applying for the Atal Pension Yojana scheme. The Aadhaar details also have to be provided for the spouse and the nominee.</p></li><li class="pt-1 pb-1"><strong>Can Atal Pension Yojana account holders enjoy any tax benefits from the scheme?</strong><p class="text-base ">No, subscribers cannot get any tax deductions on the monthly contribution amount done under the Atal Pension Yojana scheme.</p></li><li class="pt-1 pb-1"><strong>Can I change my monthly contribution amounts?</strong><p class="text-base ">Yes, monthly contributions amounts can be decreased or increased once a year, during April, depending on your requirements.</p></li><li class="pt-1 pb-1"><strong>How can I check my account balance?</strong><p class="text-base ">You will receive periodic statements regarding the status of your accounts and the balance available. Instant information can be received through an SMS alert on the registered mobile number.</p></li><li class="pt-1 pb-1"><strong>I have changed my city of residence; can I still make monthly contributions to my account?</strong><p class="text-base ">Yes, you can continue to make monthly contributions to your account without any interruptions, as the amount is paid only through pre-set auto-debits.</p></li><li class="pt-1 pb-1"><strong>What happens if I don't have sufficient balance in my account to make my monthly contribution?</strong><p class="text-base ">In case of insufficient balance in your account for making your monthly contribution, a penalty will be imposed.</p></li><li class="pt-1 pb-1"><strong>What will happen to my account if I become an NRI?</strong><p class="text-base ">Only Indian citizens are eligible to open an Atal Pension Yojana account. If you become an NRI, then the account will be closed. The accrued contribution amount will be given to you and this will be treated like a voluntary exit done before the age of 60.</p></li><li class="pt-1 pb-1"><strong>How do I contribute to my APY account, and what are the requirements? </strong><p class="text-base ">To contribute to your APY account, set up an auto-debit with your bank by providing your savings account details and Aadhaar number. Contributions can be made monthly, quarterly, or half-yearly, and ensure your linked account has sufficient funds.聽</p></li><li class="pt-1 pb-1"><strong>Can I change my APY pension payout amount? </strong><p class="text-base ">Yes, you can change your pension payout once a year in April for a fee of Rs.25. Subscribers must commit to contributing for at least 20 years to maintain their APY account.聽</p></li><li class="pt-1 pb-1"><strong>What happens if I fail to contribute to my APY account? </strong><p class="text-base ">If you fail to contribute for six months, your APY account will be frozen. After twelve months of non-payment, it will be deactivated, and after twenty-four months, it will be automatically closed.聽</p></li><li class="pt-1 pb-1"><strong>Are there any recovery measures for missed contributions? </strong><p class="text-base ">Yes, any due amount can be recovered from your linked bank account if funds are available. Additionally, mobile alerts will be sent to remind you of upcoming payments to prevent late contributions.聽</p></li><li class="pt-1 pb-1"><strong>What tax benefits do APY subscribers receive? </strong><p class="text-base ">The Atal Pension Yojana (APY) offers tax exemptions under Section 80C of the Income Tax Act, 1961, with a limit of up to Rs.1.5 lakh annually. Additionally, subscribers can avail themselves of an extra benefit of Rs.50,000 under Section 80CCD (1), which applies similarly to the National Pension Scheme.聽</p></li><li class="pt-1 pb-1"><strong>How can I get customer support for my APY account? </strong><p class="text-base ">There is no specific toll-free number for the APY scheme. Subscribers should contact the bank where they opened their APY account for assistance. For additional queries, you can reach the Central Recordkeeping Agency at 1800-222-080 or the NPS Helpdesk at 1800-110-708.聽</p></li><li class="pt-1 pb-1"><strong>What services does the Atal Pension Yojana App provide? </strong><p class="text-base ">The APY App allows users to check their account balance, view details of upcoming contributions, access account information, and review transaction history.聽</p></li><li class="pt-1 pb-1"><strong>Is the Atal Pension Yojana App available for free? </strong><p class="text-base ">Yes, the app is available for free on all Android devices.聽</p></li></ul><script type="application/ld+json" data-testid="faq-json-ld">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"How many Atal Pension Yojana accounts can a subscriber open?","acceptedAnswer":{"@type":"Answer","text":"A single subscriber is allowed to open only one Atal Pension Yojana account, which will remain unique to them."}},{"@type":"Question","name":"Can I open an Atal Pension Yojana account without holding a savings account?","acceptedAnswer":{"@type":"Answer","text":"No, it is mandatory for the applicants to hold a savings bank account while applying for this scheme."}},{"@type":"Question","name":"Can I join the Atal Pension Yojana scheme without holding an Aadhaar number?","acceptedAnswer":{"@type":"Answer","text":"When opening the Atal Pension Yojana account, an Aadhaar number is not required, but Aadhaar details would be needed for enrolling beneficiaries, spouses, and identifying nominees."}},{"@type":"Question","name":"How is the due date for the monthly contribution decided?","acceptedAnswer":{"@type":"Answer","text":"The due date is decided based on the first deposit date."}},{"@type":"Question","name":"If I want to open an Atal Pension Yojana account, what is the procedure to be followed?","acceptedAnswer":{"@type":"Answer","text":"Fill the Atal Pension Yojana subscription form. 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Additionally, subscribers can avail themselves of an extra benefit of Rs.50,000 under Section 80CCD (1), which applies similarly to the National Pension Scheme. ."}},{"@type":"Question","name":"How can I get customer support for my APY account? ","acceptedAnswer":{"@type":"Answer","text":"There is no specific toll-free number for the APY scheme. Subscribers should contact the bank where they opened their APY account for assistance. For additional queries, you can reach the Central Recordkeeping Agency at 1800-222-080 or the NPS Helpdesk at 1800-110-708. ."}},{"@type":"Question","name":"What services does the Atal Pension Yojana App provide? ","acceptedAnswer":{"@type":"Answer","text":"The APY App allows users to check their account balance, view details of upcoming contributions, access account information, and review transaction history. ."}},{"@type":"Question","name":"Is the Atal Pension Yojana App available for free? ","acceptedAnswer":{"@type":"Answer","text":"Yes, the app is available for free on all Android devices. ."}}]}</script><h2 class="text-lg font-bold pt-2 pb-2"></h2><div class="flex flex-col gap-2.5"></div><script type="application/ld+json" data-testid="organization-json-ld">{"@context":"http://schema.org","@type":"Organization","name":"BankBazaar","url":"https://www.bankbazaar.com/","logo":"https://static.bankbazaar.com/images/bankbazaar-logo.png","sameAs":["https://www.facebook.com/bankbazaar/","https://twitter.com/bankbazaar","https://www.instagram.com/bankbazaar/","https://www.linkedin.com/company/417362/","https://www.youtube.com/@BankBazaar","https://in.linkedin.com/company/bank_bazaar"]}</script></div></div></div></div></div><div class="py-5"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Disclaimer <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5">Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. 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aria-label="Experian">Experian</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-credit-score.html" title="CIBIL Score" aria-label="CIBIL Score">CIBIL Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-credit-report.html" title="CIBIL Report" aria-label="CIBIL Report">CIBIL Report</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-score-calculation.html" title="CIBIL Score Calculation" aria-label="CIBIL Score Calculation">CIBIL Score Calculation</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/how-to-improve-cibil-credit-score.html" title="How to Improve Credit Score" aria-label="How to Improve Credit Score">How to Improve Credit Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/credit-monitoring.html" title="How to Monitor Credit Score" aria-label="How to Monitor Credit Score">How to Monitor Credit Score</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Personal Loan:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li><li class="text-sm pt-1 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aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/repo-rate.html" title="Current Repo Rate 2024" aria-label="Current Repo Rate 2024">Current Repo Rate 2024</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Fixed Deposit:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/sbi-fixed-deposit.html" title="SBI Fixed Deposit" aria-label="SBI Fixed Deposit">SBI Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/hdfc-fixed-deposit.html" title="HDFC Fixed Deposit" aria-label="HDFC Fixed Deposit">HDFC Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/axis-fixed-deposit.html" title="Axis Fixed Deposit" aria-label="Axis Fixed Deposit">Axis Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/post-office-fixed-deposit-rate.html" title="Post Office Fixed Deposit" aria-label="Post Office Fixed Deposit">Post Office Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/senior-citizen-fixed-deposit.html" title="Senior Citizen Fixed Deposit" aria-label="Senior Citizen Fixed Deposit">Senior Citizen Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/5years-fd-interest-rates.html" title="5 Years FD Interest Rates" aria-label="5 Years FD Interest Rates">5 Years FD Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/monthly-income-scheme.html" title="Monthly Income FD Schemes" aria-label="Monthly Income FD Schemes">Monthly Income FD Schemes</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Calculator:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/calculators.html" title="All Finance Calculators" aria-label="All Finance Calculators">All Finance Calculators</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li></ul></div></div><div data-orientation="horizontal" role="none" class="shrink-0 bg-slate-200 dark:bg-slate-800 h-[1px] w-full my-4"></div><div class="items-center flex justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Learn More:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/credit-cards/" title="Credit Cards" aria-label="Credit Cards">Credit Cards</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/yes-bank-bankbazaar-finbooster-credit-card/" title="Credit Card Offers" aria-label="Credit Card Offers">Credit Card Offers</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/investment/" title="Investments" aria-label="Investments">Investments</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/money-management/" title="Money Management" aria-label="Money Management">Money Management</a></li></ul></div><div class="items-center flex justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Others:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/tax.html" title="Income Tax" aria-label="Income Tax">Income Tax</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/ifsc-code.html" title="Bank IFSC Code" aria-label="Bank IFSC Code">Bank IFSC Code</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/indian-holiday-calendar.html" title="Indian Holidays" aria-label="Indian Holidays">Indian Holidays</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li></ul></div><div data-orientation="horizontal" role="none" class="shrink-0 bg-slate-200 dark:bg-slate-800 h-[1px] w-full my-4"></div><div class="items-start flex justify-center gap-4 p-2.5"><div class="items-center flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Mobile Apps:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://bnkbzr.page.link/qBro" title="Google play" target="_blank" aria-label="Google play"><img src="https://static.bankbazaar.com/images/download-android-application.svg" alt="Google play" title="Google play" width="121" height="36" loading="lazy" style="max-width:100%;display:inline"/></a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://bnkbzr.page.link/qBro" title="Apple Store" target="_blank" aria-label="Apple Store"><img src="https://static.bankbazaar.com/images/india/infographic/apple-store-button.svg" alt="Apple Store" title="Apple Store" width="121" height="36" loading="lazy" 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{"basename":"/","future":{"v3_fetcherPersist":true,"v3_relativeSplatPath":true,"v3_throwAbortReason":true,"unstable_singleFetch":false,"unstable_lazyRouteDiscovery":false,"unstable_optimizeDeps":false},"isSpaMode":false,"state":{"loaderData":{"root":{"namespace":"saving-schemes/atal-pension-yojana","gtmId":"GTM-TRB8XL","wenEngageId":"~13410604b","appshell":true},"routes/default/route":{"productType":"ALL","categoryType":"SAVING_SCHEME","bankId":1001,"pageData":{"id":17580,"topContent":[{"type":"header","data":{"text":"What is the Atal Pension Yojana?","level":2}},{"type":"paragraph","data":{"text":"The\u003cstrong\u003e Atal Pension Yojana\u003c/strong\u003e (APY) is a government-backed pension scheme for India's unorganized sector, available to individuals aged 18-40 who are not income tax payees. It provides fixed monthly pensions ranging from Rs.1,000 to Rs.5,000 after the age of 60, based on contributions, with government co-contributions and tax benefits. Managed by the Pension Fund Regulatory and Development Authority (PFRDA), it ensures financial security and a risk-free savings option."}}],"showTOC":false,"hideOfferTable":true,"news":{"items":[]},"faqs":{"items":[{"answer":[{"data":{"text":"A single subscriber is allowed to open only one Atal Pension Yojana account, which will remain unique to them."},"type":"paragraph"}],"question":"How many Atal Pension Yojana accounts can a subscriber open?"},{"answer":[{"data":{"text":"No, it is mandatory for the applicants to hold a savings bank account while applying for this scheme."},"type":"paragraph"}],"question":"Can I open an Atal Pension Yojana account without holding a savings account?"},{"answer":[{"data":{"text":"When opening the Atal Pension Yojana account, an Aadhaar number is not required, but Aadhaar details would be needed for enrolling beneficiaries, spouses, and identifying nominees."},"type":"paragraph"}],"question":"Can I join the Atal Pension Yojana scheme without holding an Aadhaar number?"},{"answer":[{"data":{"text":"The due date is decided based on the first deposit date."},"type":"paragraph"}],"question":"How is the due date for the monthly contribution decided?"},{"answer":[{"data":{"text":"Fill the Atal Pension Yojana subscription form. Provide your Aadhaar number and a valid mobile number. Then submit the APY form to the bank and set auto-debits from your bank account. Ensure you have a sufficient balance in your account to make regular contributions."},"type":"paragraph"}],"question":"If I want to open an Atal Pension Yojana account, what is the procedure to be followed?"},{"answer":[{"data":{"text":"It is not mandatory to provide the Aadhaar number while subscribing, but the Aadhaar card will be the primary KYC document required by banks to identify beneficiaries, nominees and the subscriber's spouse."},"type":"paragraph"}],"question":"Is it mandatory to submit the Aadhaar number while registering for this scheme?"},{"answer":[{"data":{"text":"Yes, Employees Provident Fund (EPF) Subscribers are also eligible to enrol for the Atal Pension Yojana scheme."},"type":"paragraph"}],"question":"Can members of the Employees Provident Fund (EPF) enroll for the Atal Pension Yojana scheme?"},{"answer":[{"data":{"text":"Yes, nominations are mandatory. The nominee details have to be provided along with spouse's details while applying for the Atal Pension Yojana scheme. The Aadhaar details also have to be provided for the spouse and the nominee."},"type":"paragraph"}],"question":"Is it mandatory for subscribers to give a nomination when they join the Atal Pension Yojana scheme?"},{"answer":[{"data":{"text":"No, subscribers cannot get any tax deductions on the monthly contribution amount done under the Atal Pension Yojana scheme."},"type":"paragraph"}],"question":"Can Atal Pension Yojana account holders enjoy any tax benefits from the scheme?"},{"answer":[{"data":{"text":"Yes, monthly contributions amounts can be decreased or increased once a year, during April, depending on your requirements."},"type":"paragraph"}],"question":"Can I change my monthly contribution amounts?"},{"answer":[{"data":{"text":"You will receive periodic statements regarding the status of your accounts and the balance available. Instant information can be received through an SMS alert on the registered mobile number."},"type":"paragraph"}],"question":"How can I check my account balance?"},{"answer":[{"data":{"text":"Yes, you can continue to make monthly contributions to your account without any interruptions, as the amount is paid only through pre-set auto-debits."},"type":"paragraph"}],"question":"I have changed my city of residence; can I still make monthly contributions to my account?"},{"answer":[{"data":{"text":"In case of insufficient balance in your account for making your monthly contribution, a penalty will be imposed."},"type":"paragraph"}],"question":"What happens if I don't have sufficient balance in my account to make my monthly contribution?"},{"answer":[{"data":{"text":"Only Indian citizens are eligible to open an Atal Pension Yojana account. If you become an NRI, then the account will be closed. The accrued contribution amount will be given to you and this will be treated like a voluntary exit done before the age of 60."},"type":"paragraph"}],"question":"What will happen to my account if I become an NRI?"},{"question":"How do I contribute to my APY account, and what are the requirements? ","answer":[{"type":"paragraph","data":{"text":"To contribute to your APY account, set up an auto-debit with your bank by providing your savings account details and Aadhaar number. Contributions can be made monthly, quarterly, or half-yearly, and ensure your linked account has sufficient funds.\u0026nbsp;"}}]},{"question":"Can I change my APY pension payout amount? ","answer":[{"type":"paragraph","data":{"text":"Yes, you can change your pension payout once a year in April for a fee of Rs.25. Subscribers must commit to contributing for at least 20 years to maintain their APY account.\u0026nbsp;"}}]},{"question":"What happens if I fail to contribute to my APY account? ","answer":[{"type":"paragraph","data":{"text":"If you fail to contribute for six months, your APY account will be frozen. After twelve months of non-payment, it will be deactivated, and after twenty-four months, it will be automatically closed.\u0026nbsp;"}}]},{"question":"Are there any recovery measures for missed contributions? ","answer":[{"type":"paragraph","data":{"text":"Yes, any due amount can be recovered from your linked bank account if funds are available. Additionally, mobile alerts will be sent to remind you of upcoming payments to prevent late contributions.\u0026nbsp;"}}]},{"question":"What tax benefits do APY subscribers receive? ","answer":[{"type":"paragraph","data":{"text":"The Atal Pension Yojana (APY) offers tax exemptions under Section 80C of the Income Tax Act, 1961, with a limit of up to Rs.1.5 lakh annually. Additionally, subscribers can avail themselves of an extra benefit of Rs.50,000 under Section 80CCD (1), which applies similarly to the National Pension Scheme.\u0026nbsp;"}}]},{"question":"How can I get customer support for my APY account? ","answer":[{"type":"paragraph","data":{"text":"There is no specific toll-free number for the APY scheme. Subscribers should contact the bank where they opened their APY account for assistance. For additional queries, you can reach the Central Recordkeeping Agency at 1800-222-080 or the NPS Helpdesk at 1800-110-708.\u0026nbsp;"}}]},{"question":"What services does the Atal Pension Yojana App provide? ","answer":[{"type":"paragraph","data":{"text":"The APY App allows users to check their account balance, view details of upcoming contributions, access account information, and review transaction history.\u0026nbsp;"}}]},{"question":"Is the Atal Pension Yojana App available for free? ","answer":[{"type":"paragraph","data":{"text":"Yes, the app is available for free on all Android devices.\u0026nbsp;"}}]}],"title":"FAQs on Atal Pension Yojana"},"hungryForMore":[{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580"}},{"type":"image","data":{"float":"right","lazy":true,"src":"https://static.bankbazaar.com/images/india/infographic/atal-pension-yojana-scheme.webp","alt":"APY","title":"Atal Pension Yojana","width":400,"height":250}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eThe following are the details regarding APY scheme:\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Initiated by the Indian government, the Atal Pension Yojana is a social security program that aims to give all Indian citizens a reliable income after they turn 60.\u003cbr\u003e","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"In other words, it is a pension program that primarily serves those who work in the informal economy, such as housekeepers, maids, deliverymen, gardeners, etc.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The main objective of this scheme is to give Indian citizens a sense of security by ensuring that they are not concerned about unexpected illness, accidents, or chronic illnesses in their old age. ","items":[]},{"content":"Employees in the private sector and those working for organisations that do not offer pension benefits are also eligible to apply, so it is not just the unorganised sector.\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580"}},{"type":"header","data":{"text":"Atal Pension Yojana Information","level":2}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eFeature\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eDetails\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003ePension Amount\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Up to \u003cstrong\u003eRs.5,000\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eAge Limit\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003e18 to 40 years\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eContribution Period\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Minimum \u003cstrong\u003e20 years\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eExit Age\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003e60 years\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eAutomatic Debit\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Monthly contributions auto debited; ensure sufficient funds.\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eAssured Pension\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Choose from \u003cstrong\u003eRs.1,000 to Rs.5,000\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eContribution Flexibility\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Adjust contributions annually.\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eWithdrawal Conditions\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Exit at \u003cstrong\u003e60 years\u003c/strong\u003e; early withdrawal only due to death or terminal illness.\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eTax Exemption\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Exemptions under \u003cstrong\u003eSection 80CCD\u003c/strong\u003e; max \u003cstrong\u003eRs.1,50,000\u003c/strong\u003e plus \u003cstrong\u003eRs.50,000\u003c/strong\u003e for APY contributions.\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580"}},{"type":"header","data":{"text":"Objectives of Atal Pension Yojana","level":2}},{"type":"paragraph","data":{"text":"The main objective of the Atal Pension Yojana can be summed up as follows:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Provision of security and protection of citizens against illness, accidents, diseases, and so on.","items":[]},{"content":"This scheme is mainly aimed at the unorganized sector in the country.","items":[]},{"content":"Under the APY, will receive monthly payments from their accrued corpus. If a beneficiary passes away, the pension payments will be made to their spouse. In the event of both the beneficiary and their spouse鈥檚 death, a lump sum payment will be made to the nominee.\u003cbr\u003e","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580"}},{"type":"header","data":{"text":"Benefits of Atal Pension Yojana","level":2}},{"type":"paragraph","data":{"text":"The benefits of Atal Pension Yojana are as follows:\u0026nbsp;\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Provides financial security against illness, accidents, and other risks for unorganised sector workers.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Backed by the Government of India, ensuring low investment risk.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Accessible to Indian residents, including self-employed and salaried individuals.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Offers guaranteed monthly pensions of Rs.1000 to Rs.5000, based on contributions.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Monthly pension continues to spouse upon beneficiary鈥檚 death; a lump sum is paid to the nominee if both beneficiary and spouse pass away.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Tax benefits on contributions under Section 80CCD (1) of the Income Tax Act, 1961.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Flexible contribution options: monthly, quarterly, or half-yearly.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Subscription available for workers in both organised and unorganised sectors.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Allows adjustment of pension amount (upgrade or downgrade) as per subscriber choice.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Eligible for individuals with other private or government pension schemes.\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580"}},{"type":"header","data":{"text":"Atal Pension Yojana Eligibility","level":2}},{"type":"list","data":{"style":"unordered","items":[{"content":"Indian citizen aged 18 to 40 years.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Active mobile number and bank account linked to Aadhaar.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Complete 'Know Your Customer' (KYC) requirements.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"No existing APY account.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Minimum contribution period of 20 years.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Ineligible for other social welfare programmes.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Swavalamban Scheme beneficiaries are eligible and transferred to APY.","items":[]}]}},{"type":"header","data":{"text":"Registration and Login of APY Account","level":2}},{"type":"list","data":{"style":"unordered","items":[{"content":"You can register to Atal Pension Yojana account through any banks in India\u0026nbsp;","items":[]},{"content":"Any Indian banks can assist you to register for APY via NSDL or Karvy\u0026nbsp;","items":[]},{"content":"you will be provided a PRAN (Permanent Retirement Account Number) after completing your registration\u0026nbsp;","items":[]},{"content":"You will need PRAN and applicable APY account password to log into your APY account\u0026nbsp;","items":[]},{"content":"You can also log into your APY account using your PRAN and account number via NSDL portal","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580"}},{"type":"header","data":{"text":"How to Open an Atal Pension Yojana Account?","level":2}},{"type":"paragraph","data":{"text":"The following are the steps to open an Atal Pension Yojana Account:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Visit your local bank branch, and submit dully filled PAY registration form\u0026nbsp;","items":[]},{"content":"Provide the required details, such as:\u0026nbsp;","items":[{"content":"Bank account number","items":[]},{"content":"Aadhar Number","items":[]},{"content":"Mobile number","items":[]}]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"At the time of account opening, the first contribution amount will be deducted from your linked bank account\u0026nbsp;","items":[]},{"content":"Acknowledgment Number or PRAN Number will be issued by the bank\u0026nbsp;","items":[]},{"content":"The further contributions will be done automatically from your bank account","items":[]}]}},{"type":"header","data":{"text":"How to Download the APY Form?","level":2}},{"type":"paragraph","data":{"text":"You can avail the Atal Pension Yojana (APY) account opening form by using any one of the following methods:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"You can collect the form from any nearby branch office of any participant bank.","items":[]},{"content":"You can download and get a print of the form from the official websites of the participant banks, provided they have the facility for the same.","items":[]},{"content":"You can download the APY account opening form from the official website of the Pension Fund Regulatory and Development Authority (PFRDA).","items":[]}]}},{"type":"cta","data":{"link":"https://static.bankbazaar.com/images/india/infographic/atal-pension-yojana-form1.pdf","prefix":"Download ","linkText":"Application Form"}},{"type":"header","data":{"text":"How to Fill the Atal Pension Yojana Form?","level":2}},{"type":"paragraph","data":{"text":"Once you have procured the form for the Atal Pension Yojana Scheme, filling it is simple."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 1: Addressing the form\u003c/strong\u003e"}},{"type":"paragraph","data":{"text":"You have to address the form to the Branch Manager. You can find out the name of your Branch Manager by calling or visiting the bank. Enter your bank name and branch."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 2: Bank details\u003c/strong\u003e"}},{"type":"paragraph","data":{"text":"Fill the form in BLOCK letters. First, you are required to provide your bank details. Enter your bank account number, bank name and bank branch. This field is compulsory."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 3: Personal details\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Tick the box that is applicable that indicates whether you are '\u003cstrong\u003eShri\u003c/strong\u003e', '\u003cstrong\u003eSmt\u003c/strong\u003e' or '\u003cstrong\u003eKumari\u003c/strong\u003e'. Tick '\u003cstrong\u003eShri\u003c/strong\u003e' if you are a male applicant. Tick '\u003cstrong\u003eSmt\u003c/strong\u003e' if you are a married female applicant. Tick '\u003cstrong\u003eKumari\u003c/strong\u003e' if you are a single female applicant.","items":[]},{"content":"Married applicants must enter their spouse's name.","items":[]},{"content":"Enter your full name, date of birth, and age.","items":[]},{"content":"Provide your mobile number, email address and Aadhaar number.","items":[]},{"content":"You can then nominate someone and state their relationship to you. A nominee will receive your contribution in case of your death.","items":[]},{"content":"If the nominee is a minor, you need to provide their date of birth and guardian's name.","items":[]},{"content":"You must also state if the nominee has any other statutory social security schemes and if they are income taxpayers.","items":[]}]}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 4: Pension details\u0026nbsp;\u003c/strong\u003e"}},{"type":"paragraph","data":{"text":"You can contribute towards your pension, between Rs.1,000 and Rs.5,000 with options in the form as Rs.1,000, Rs.2,000, Rs.3,000, Rs.4,000, and Rs.5,000. The box below titled; 'Contribution Amount (Monthly)' is to be left blank as the bank will fill that in after calculating the amount you have to pay every month to receive the pension."}},{"type":"paragraph","data":{"text":"The calculation will be based on your entry age. For example, for a pension of Rs.2,000, if your entry age is 25 years, you will have to pay Rs.151 per month."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 5: Declaration and Authorisation\u003c/strong\u003e"}},{"type":"paragraph","data":{"text":"You need to fill in the date and place. You can either sign the document or put a thumb impression. By signing the document, you declare that you meet the Atal Pension Yojana eligibility criteria, and that you have read and understood the terms and conditions of the scheme. You declare that all the information you have written is correct as far as you know. If any changes have to be made to the information provided, you will contact the bank immediately. You also declare that you do not have any account under \u003ca href=\"/saving-schemes/nps.html\" target=\"_blank\"\u003eNPS\u003c/a\u003e (National Pension System). You will be held liable for any false or incorrect information knowingly provided."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 6: To be filled in by the bank\u003c/strong\u003e"}},{"type":"paragraph","data":{"text":"The last section of the Atal Pension Scheme form, titled 'Acknowledgement - Subscriber Registration for Atal Pension Yojana (APY)' is to be filled in by the bank. It is an acknowledgement from the bank that they will subscribe to the Atal Pension Yojana Scheme for you. After you submit the form, the bank agent will fill it out."}},{"type":"cta","data":{"linkText":"Check FREE Credit Score","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163314\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON 163314"}},{"type":"header","data":{"text":"What is the Investment Plan for the Atal Pension Yojana (APY)?","level":2}},{"type":"paragraph","data":{"text":"The returns for the Atal Pension Yojana (APY) are guaranteed. The different strands under which your money is invested are as follows:"}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Type of Investment"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Quantum of Investment"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Government Securities"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"45% to 50%"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Term deposits of banks and debt securities"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"35% to 45%"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Equity and equity-related instruments"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"5% to 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number and authorization letter to the bank\u0026nbsp;","items":[]},{"content":"Contributions can be done either monthly, quarterly, or half-yearly\u0026nbsp;","items":[]},{"content":"Due date of the contribution will be based on the first date of contribution made\u0026nbsp;","items":[]},{"content":"for scheduled transfer of money to APY scheme, the linked account should have sufficient fund\u0026nbsp;","items":[]},{"content":"To avoid future disputes of rights and entitlements of pension and corpus, Aadhar must be submitted as the primary document for KYC (Know Your Customer) to identify subscriber, spouse, and nominee.","items":[]}]}},{"type":"cta","data":{"linkText":"Check FREE Credit Score","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163314\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON 163314"}},{"type":"header","data":{"text":"Can you change your APY Pension Payout?","level":2}},{"type":"paragraph","data":{"text":"Here are the following details regarding the APY Pension payout:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The pension amount can be changed during the contribution made once a year in the month of April\u0026nbsp;","items":[]},{"content":"Upgrading or downgrading of the APY account can be done by paying an amount of Rs.25 to the bank\u0026nbsp;","items":[]},{"content":"The differential amount is credited directly to the account linked with APY scheme in case of downgrade of pension\u0026nbsp;","items":[]},{"content":"Long term commitment of the subscriber is vital as subscription should be made for at least for 20 years\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"What happens if You Fail to Contribute to APY?\u0026nbsp;","level":3}},{"type":"paragraph","data":{"text":"The following are the consequences of failing to make regular contributions to the pension 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Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580"}},{"type":"header","data":{"text":"How is APY Money Invested?","level":3}},{"type":"paragraph","data":{"text":"The following is the details as to how investment is made to APY scheme:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Government Securities: Minimum and maximum contribution is 45% and 50%, respectively\u0026nbsp;","items":[]},{"content":"Debt Securities and term deposits of banks: Minimum and maximum contribution is 35% and 45%, respectively\u0026nbsp;","items":[]},{"content":"Equity and related instrument: Minimum and maximum contribution is 5.00% and 15%, respectively\u0026nbsp;","items":[]},{"content":"Asset Backed Securities etc.: Maximum contribution is 5.00%\u0026nbsp;","items":[]},{"content":"Money Market Instruments: Maximum contribution is 5.00%\u0026nbsp;","items":[]}]}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eNote:\u003c/strong\u003e\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Investment detail does not matter much in APY compared to NPS as it offers guaranteed benefits\u0026nbsp;","items":[]},{"content":"Investment returns is considered only when returns generated exceed the guaranteed pension amount\u0026nbsp;","items":[]},{"content":"In case of death of the subscriber, higher pension amount or higher return of corpus is paid to the nominees","items":[]}]}},{"type":"cta","data":{"linkText":"Check FREE Credit Score","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163314\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON 163314"}},{"type":"header","data":{"text":"Atal Pension Yojana Calculation","level":2}},{"type":"paragraph","data":{"text":"Here are the following details regarding to Atal Pension Yojana calculation:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The calculation of APY is based on amount of pension the applicant wants to receive and the age of enrollment of the subscriber\u0026nbsp;","items":[]},{"content":"In case of early enrollment in the scheme, the monthly contributions are comparatively lesser than late enrollment\u0026nbsp;","items":[]},{"content":"At the age of 18 years, minimum contribution should be Rs.42 to get Rs.1000\u0026nbsp;","items":[]},{"content":"At the age of 40 years, minimum contribution should be Rs.1454 to get Rs.5000\u0026nbsp;","items":[]},{"content":"APY calculation is done depending on the contribution made to the scheme either monthly, quarterly or half-yearly\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"Indicative APY Contribution Chart","level":3}},{"type":"paragraph","data":{"text":"Here are the APY contribution charts based on contributions 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FREE Credit Score","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163314\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON 163314"}},{"type":"header","data":{"text":"How to Withdraw Money from APY Account?","level":2}},{"type":"list","data":{"style":"unordered","items":[{"content":"1. Determine Eligibility for Withdrawal\u0026nbsp;Withdrawal from the Atal Pension Yojana (APY) is only allowed in exceptional cases, such as terminal illness. Normal exits are permitted only after reaching 60 years of age.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"2. Submit the APY Account Closure Form\u0026nbsp;For voluntary exit, complete and sign the APY Account Closure Form (Voluntary Exit) and submit it at the bank where your account is held.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"3. Bank Processes Closure Request\u0026nbsp;Once the form is received, the bank will process your closure request. They will calculate the total contributions plus interest accrued to your account.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"4. Deduction of Applicable Charges\u0026nbsp;Any APY account closure or maintenance charges will be deducted from the total amount.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"5. Receive Balance Amount\u0026nbsp;The remaining balance, after deductions, will be credited to your bank account. Note that cash payouts are not made under existing APY rules.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"6. Withdrawal Procedure Post-60 Years\u0026nbsp;If you are over 60 years old, you can exit the scheme by applying for your pension directly at the bank.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"7. Provision for Early Withdrawal\u0026nbsp;In the case of death before 60, the spouse will receive the pension. If both you and your spouse pass away, the pension will be paid to your nominee.\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"Atal Pension Yojana Withdrawal Procedure:","level":2}},{"type":"paragraph","data":{"text":"Although initially this scheme did not permit exiting before you reach the age of 60, the Atal Pension Yojana withdrawal procedure has been slightly modified:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eIf you have reached 60 years of age,\u003c/strong\u003e then you can exit this scheme with a complete annuitization of the pension amount. You will have to visit the bank and apply for your pension.","items":[]},{"content":"\u003cstrong\u003eYou can exit the scheme before turning 60 years old\u003c/strong\u003e only under exceptional circumstances such as terminal illness or death. In case of your demise before reaching the age of 60, your spouse will receive your pension. In the event that both you and your spouse have expired, the pension would be paid to your nominee.","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580"}},{"type":"header","data":{"text":"Check Account Statement Online","level":3}},{"type":"paragraph","data":{"text":"The following are the ways to check the account statement online:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The APY account statement can be checked online if someone is already a subscriber and have a valid PRAN (Permanent Retirement Account Number)\u0026nbsp;","items":[]},{"content":"Atal Pension Yojana Account Statement can be checked online by visiting the NSDL website if an individual is registered with NSDL CRA. Here are the following ways to check the account:\u0026nbsp;","items":[{"content":"For individuals who have PRAN, they require only the account number to check the online APY statement\u0026nbsp;","items":[]},{"content":"You will have to provide the following details:\u0026nbsp;","items":[{"content":"Name of the subscriber\u0026nbsp;","items":[]},{"content":"Bank account number\u0026nbsp;","items":[]},{"content":"Date of Birth as per APY records\u0026nbsp;","items":[]}]}]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"You can also receive your APY account statement online via your registered email address\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"Atal Pension Yojana App","level":3}},{"type":"paragraph","data":{"text":"Here are the necessary details related to Atal Pension Yojana application:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"To enable easy access to APY account for subscribers, PFRDA introduced Atal Pension Yojana App\u0026nbsp;","items":[]},{"content":"The application provides the following services:\u0026nbsp;","items":[{"content":"APY account balance\u0026nbsp;","items":[]},{"content":"Details of next contribution is due\u0026nbsp;","items":[]},{"content":"APY account details\u0026nbsp;","items":[]},{"content":"APY transactions list, etc.\u0026nbsp;","items":[]}]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The application is available on every Android device for free of cost","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580"}},{"type":"header","data":{"text":"Atal Pension Yojana Penalty Charges:","level":2}},{"type":"paragraph","data":{"text":"Here is a table outlining the penalty charges for delayed payments under the Atal Pension Yojana (APY):\u0026nbsp;"}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eContribution Amount (per month)\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003ePenalty Charge\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Up to Rs.100\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.1\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Rs.101 to Rs.500\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.2\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Rs.501 to Rs.1,000\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.5\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Above Rs.1,001\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.10\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eNote:\u003c/strong\u003e The APY penalty charges are fixed amounts based on the pension contribution amount.\u0026nbsp;"}},{"type":"header","data":{"text":"Tax Benefits for APY Subscribers","level":2}},{"type":"paragraph","data":{"text":"The following are the details regarding tax benefits for APY subscribers:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"APY scheme is a government notified scheme that offers exception under Section 80C of the Income Tax Act 1961\u0026nbsp;","items":[]},{"content":"It offers tax exemption benefits up to the Rs. 1.5 lakh cumulative annual limit\u0026nbsp;","items":[]},{"content":"Under the relatively newer Section 80CCD (1) of the Income Tax Act, 1961, APY also offers additional benefit of Rs.50,000 annually\u0026nbsp;","items":[]},{"content":"This additional benefit is similar to that applied to the National Pension Scheme which is over and above the Rs.1.50 lakh annual tax exemption benefit\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"linkText":"Check FREE Credit Score","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163314\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON 163314"}},{"type":"header","data":{"text":"APY Account Closure and Exit","level":3}},{"type":"paragraph","data":{"text":"The following are the details regarding APY account closure, co-contribution, and exit:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Closure and exit from APY account are allowed in case of exceptional circumstances, such as terminal illness\u0026nbsp;","items":[]},{"content":"As per details provided in the APY account opening form, the entire corpus amount is paid to the nominee in case of death of the subscriber\u0026nbsp;","items":[]},{"content":"In Inorganised sector, co-contribution is available among the workers\u0026nbsp;","items":[]},{"content":"In co-contribution, 50% of the amount or Rs.1000 whichever is lower will be contributed by the government\u0026nbsp;","items":[]},{"content":"Co-contribution will be done by the government only for a period of five years\u0026nbsp;","items":[]},{"content":"Subscribers cannot be members of any statutory social security scheme and also should not pay income tax to enjoy co-contribution\u0026nbsp;","items":[]}]}},{"type":"paragraph","data":{"text":"\u003ci\u003e\u003cstrong\u003eNote:\u003c/strong\u003e Income of the subscriber should be less than the income tax threshold.\u003c/i\u003e"}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580"}},{"type":"header","data":{"text":"Features of the Atal Pension Yojana:","level":2}},{"type":"paragraph","data":{"text":"The main features of the APY scheme are mentioned below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The Indian Government guarantees the minimum pension that will be paid to the individual after retirement.","items":[]},{"content":"Under \u003ca href=\"/tax/section-80ccd.html\" target=\"_blank\"\u003eSection 80CCD\u003c/a\u003e, individuals are eligible for \u003ca href=\"/saving-schemes/atal-pension-yojana-tax-benefits.html\" target=\"_blank\"\u003eAtal Pension Yojana tax benefits\u003c/a\u003e for the contributions made towards the scheme.","items":[]},{"content":"All bank account holders are eligible to join the APY scheme.","items":[]},{"content":"Individuals will start receiving pension once they reach the age of 60.","items":[]},{"content":"Private sector employees who are not provided any pension benefits are also allowed to apply for Atal Pension Yojana scheme.","items":[]},{"content":"You have an option of receiving a fixed pension of Rs.1,000, Rs.2,000, Rs.3,000, Rs.4,000, or Rs.5,000 once you reach 60 years of age.","items":[]},{"content":"In case of your demise during the scheme, your spouse can either claim the contributions or complete the duration of the scheme.","items":[]}]}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eRestrictions on age:\u003c/strong\u003e Anyone who is at least 18 years old and under 40 can choose to put money in the Atal Pension Yojana. As a result, college students can invest in this plan to build a corpus for their retirement. The maximum age requirement for participation in the program is 40 years, as at least 20 years' worth of contributions must be made.\u0026nbsp;\u0026nbsp;\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eAutomatic debit: \u003c/strong\u003eThe Atal Pension Yojana's automatic debit feature is one of its main conveniences. A beneficiary's bank account is connected to his or her pension accounts, and the monthly contributions are debited directly from those accounts. Therefore, those who have signed up for this scheme must make sure their account has enough money in it to accommodate such an automatic debit; otherwise, they risk being penalised.\u0026nbsp;\u0026nbsp;\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eAssured pension:\u003c/strong\u003e Depending on their monthly contributions, scheme participants have the option of receiving a periodic pension of Rs.1000, Rs.2000, Rs.3000, Rs.4000, or Rs.5000.\u0026nbsp;\u0026nbsp;\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003ePossibility of raising contributions:\u003c/strong\u003e As previously stated, a person's contributions determine the pension amount they are eligible to receive when they turn 60. There are various contributions, which translate into various pension sums.\u0026nbsp;And it's possible that people will choose to increase their pension account contributions as a result of increased financial capability in order to secure a larger retirement income later on in the scheme's life. To help with this provision, the government offers the option to alter the corpus amount by increasing or even decreasing one's contributions once a year.\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eWithdrawal policies:\u003c/strong\u003e After closing the scheme with the appropriate bank, a beneficiary who has reached the age of 60 may be eligible to annuitize the entire corpus amount, i.e., receive monthly pensions. The only ways to leave this scheme before turning 60 are through death or terminal illness.\u0026nbsp;A beneficiary's spouse is eligible to receive a pension in the event that the beneficiary passes away before turning 60. As a result, the spouse has the choice of leaving the pension plan with the corpus or continuing to receive benefits.\u0026nbsp;\u0026nbsp;Individuals will only receive a refund for their total contributions and any interest earned if they decide to leave the program before turning 60.\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eExemption from Tax:\u003c/strong\u003e Section 80CCD of the Income Tax Act of 1961 allows for tax exemption on individual contributions made to the Atal Pension Yojana. The maximum exemption permitted under Section 80CCD (1) is 10% of the concerned person's gross total income, up to a maximum of Rs.1,50,000. Section 80CCD permits an additional tax break of Rs.50,000 for contributions to the Atal Pension Yojana Scheme (1B).\u0026nbsp;Though these tax benefits can be obtained according to specific provisions stated in the Income Tax Act, it is still advisable to consult a professional before applying for these exemptions.\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17580\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17580"}},{"type":"header","data":{"text":"Atal Pension Yojana Tax Benefits\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"Section 80CCD of the Income Tax Act, 1961 permits deductions for individual contributions made under the Atal Pension Yojana. Section 80CCD (1) of the Income Tax Act, 1961 allows a maximum deduction of 10% of gross total income, subject to an annual maximum deduction of Rs.1.5 lakh as specified by section 80CCE of the Income Tax Act.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"A further deduction of Rs.50,000 per year is allowed under section 80CCD(1B) of the Income Tax Act, 1961 for an additional contribution of Rs.50,000 annually. According to the Income Tax Act of 1961, certain requirements must be met in order to qualify for these deductions.\u0026nbsp;\u0026nbsp;"}},{"type":"header","data":{"text":"Customer Support Toll Free Number","level":3}},{"type":"paragraph","data":{"text":"Here are the following details related to customer support toll-free number:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"There is no specific customer support toll-free number for APY scheme as the account can be opened at any of the banks in India\u0026nbsp;","items":[]},{"content":"The contact point for your APY account will be the corresponding bank where you have opened the account\u0026nbsp;","items":[]},{"content":"You can even reach out for any of your queries related to APY scheme at:\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"CRA (Central Recordkeeping Agency): \u003ca href=\"tel:1800-222-080\" target=\"_blank\"\u003e1800-222-080\u003c/a\u003e\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eNPS Helpdesk:\u003c/strong\u003e \u003ca href=\"tel:1800-110-708\" target=\"_blank\"\u003e1800-110-708\u003c/a\u003e\u003cbr\u003e","items":[]}]}}],"breadCrumb":{"currentPageText":"Atal Pension Yojana","otherLinks":[{"link":"/saving-schemes.html","text":"Saving Schemes"}]},"hideUserReviews":true,"hideEligForm":true,"metaDescription":"Atal Pension Yojana - 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