Atal Pension Yojana: Secure ₹5,000 Monthly Pension! Full Investment Calculation

• Atal Pension Yojana (APY) offers a guaranteed ₹5,000 monthly pension after age 60, managed by PFRDA.
• Individuals aged 18-40 with a bank/post office savings account can join, requiring at least 20 years of contributions.
• Monthly contribution varies by joining age; for example, a 25-year-old pays ₹376/month for a ₹5,000 pension.
• Upon pensioner's death, the spouse receives the same pension; after both, the nominee gets approximately ₹8.5 lakh corpus.
• Investments are eligible for tax exemption under Section 80CCD(1) of the Income Tax Act, but consider APY as part of a broader retirement plan due to inflation.