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Research paper on atal pension yojana

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Atal Pension Yojana – A Complete Guide

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Creating a Pension to Fit the Needs of the Rural Poor - [email protected]

Atal Pension Yojana is a pension scheme introduced by the Government of India in — It was implemented with an objective to provide pension benefits to individuals in the unorganized sector. It is an extension of the recognized National Pension Scheme NPS and replaces the previously institutionalised Swavalamban Pension Yojana which was poorly received by the general population. All accounts that were opened in the first year of the scheme, i. Atal Pension Yojana is a Social Security Scheme initiated by the Government of India and is aimed at providing a steady stream of income after the age of 60 to all citizens of India. In other words, it is a pension scheme focused mainly on the people employed in the unorganized sector such as maids, delivery boys, gardeners, etc. The primary goal of the scheme is to make sure that no Indian citizen has to worry about sudden illness, accidents or chronic diseases in their old age, giving a sense of security.
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(APY Chart) अटल पेंशन योजना 2021: ऑनलाइन आवेदन व अकाउंट स्टेटस

NPS introduced by Government of India is concerned with protection of unorganized sector workers and to promote voluntarily save for their retirement. Monthly contribution depends on the age at the time of entering into scheme. The objective of the study is feasibility of subscription of Atal Pension Yojana as a retirement planning instruments. Methodology includes secondary data using future value of contribution per month, present value of contribution and present value of pension benefit receivable. For the purpose of study starting age of 18, 25, 30, 35 and 40 has been considered with monthly pension post 60 years of Rs.
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Swavalamban Yojana was a government-backed pension scheme targeted at the unorganised sector in India. The scheme was announced by the Finance Minister in Budget — It was funded by grants from the Government of India. Only subscribers who had enrolled in APY between 1 June and 31 March , and were not beneficiaries of any social security schemes, besides not having any taxable income were eligible for this co-contribution. The minimum eligible age for a person joining APY is 18 years and the maximum is 40 years.
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