Atal Pension Yojana: Secure Your Retirement with Rs 210/Month for Rs 5000 Pension

• Atal Pension Yojana (APY) is a central government-guaranteed scheme for retirement security, especially beneficial for private sector and unorganized workers.
• By depositing just Rs 210 per month, subscribers can receive a guaranteed monthly pension of Rs 5000 after reaching 60 years of age.
• Eligibility requires Indian citizens aged 18-40 years, a savings bank account, Aadhaar, and a mobile number; investment is mandatory for at least 20 years.
• The scheme offers flexible pension options (Rs 1000-5000) and allows monthly, quarterly, or half-yearly contributions via auto-debit.
• Benefits include pension for spouse upon subscriber's death, return of accumulated amount to nominee if both pass away, and no market risk; income tax payers cannot open new accounts since Oct 1, 2022.

Why It Matters: Invest Rs 210 monthly in Atal Pension Yojana to secure a Rs 5000 guaranteed pension post-retirement.