Atal Pension Yojana: Ek Surakshit Bhavishya ki Yojana
Atal Pension Yojana (APY) Bharat Sarkar ki ek prasiddh samajik suraksha yojana hai, jiske madhyam se desh ke nagrikon ko samarthan pradan kiya jata hai apne bhavishya ke liye ek surakshit pension prapt karne ke liye. Yeh yojana 1 June 2015 ko shuru ki gayi hai aur NPS (National Pension System) ke antargat aati hai. APY, Narendra Modi sarkar dvara shuru ki gayi hai, jiske uddeshya hai samajik suraksha ko badhava dena aur nagrikon ko lambi avadhi tak surakshit pension pradan karna.
Atal Pension Yojana mein kaise shamil ho?
Atal Pension Yojana mein shamil hone ke liye kuch mahatvapurna sharten hoti hai. Ismein nagrikon ko nimnlikhit sharten puri karni hoti hai:
Bharatiya nagrik hona:
Is yojana mein shamil hone ke liye vyakti ka Bharatiya nagrik hona zaruri hai.
Umar seema:
Yojana mein shamil hone ke liye vyakti ki umar kam se kam 18 varsh aur adhik se adhik 40 varsh honi chahiye.
Bank khata:
APY ke liye vyakti ke paas bank khata hona zaruri hai. Yadi vyakti ke paas bank khata nahi hai, toh woh iske liye ek naya khata khol sakta hai.
Aadhaar card:
APY mein shamil hone ke liye vyakti ke paas Aadhaar card hona zaruri hai.
NPS ke alag se adhikari nivas:
Yadi vyakti National Pension System (NPS) ke antargat kisi dusre yojana mein shamil hai, toh woh APY mein shamil nahi ho sakta hai.
Atal Pension Yojana ki suvidhayen:
Pension ki raashi:
Yojana ke tahat vyakti 60 varsh ki umar tak har mahine ek surakshit pension prapt kar sakta hai. Pension ki raashi vyakti ke vyaktigat yogdan aur chune hue yojna se tay hoti hai.
Pension ki rakam:
Pension ki raashi Rs. 1000, Rs. 2000, Rs. 3000, Rs. 4000 ya Rs. 5000 pratimah masik roop se ho sakti hai, jaisa ki vyakti ne yojna mein shamil hote samay chuna hota hai.
Badhautpadan ke liye suraksha:
Atal Pension Yojana mein shamil vyakti ko badhautpadan (disability) ke mukable suraksha prapt hoti hai. Iske tahat, vyakti ko 60 varsh tak har mahine ek surakshit pension pradan ki jati hai, chahe woh vyakti apni kamayi kho dejaaye ya badhautpadan ke karan kisi kaam ko nahi kar sake.
Vridhavastha mein suraksha:
APY vyakti ko vridhavastha mein suraksha pradan karti hai. Jab vyakti 60 varsh ki umar mein retirement ke liye aate hain, tab se lekar unki maut tak har mahine ek surakshit pension di jati hai.
Pramukh maut ke baad parivar ke liye suraksha:
Yadi vyakti ki maut ho jaati hai, toh uske parivar ko surakshit pension milti hai. Yadi vyakti ki maut retirement se pehle ho jaati hai, toh uske parivar ko vyakti dvara chuni gayi pension ki raashi pradan ki jati hai. Agar retirement ke baad vyakti ki maut ho jaati hai, toh uske parivar ko vyakti dvara chuni gayi pension ya uski nivesh ki raashi pradan ki jati hai.
Samarthan Pradan:
Atal Pension Yojana mein Bharat Sarkar bhi samarthan pradan karti hai. Sarkar dwara 2015 se 2020 tak 50% ki sahayata pradan ki jati thi, jiske baad 2016 se 2019 tak issey ghataya gaya aur abhi sarkar 2020 se 2023 tak 100% samarthan pradan kar rahi hai.
Atal Pension Yojana mein shamil hone ke liye vyakti ko bank mein jaakar APY ke liye aavedan karna hota hai. Iske liye vyakti ko apne bank khate ka details, Aadhaar card, aur prapt karna chahte hain pension ki raashi ka chunav karna hota hai. Bank aavedan ko sarkar ke samarthan se pramukh Pension Fund Regulatory and Development Authority (PFRDA) ke pass bhejta hai, jahan par vyakti ka khata khola jata hai aur pension jama hoti hai.
Atal Pension Yojana Bharat Sarkar ki mahatvapurna yojana hai, jo nagrikon ko surakshit pension pradan karke unke bhavishya ki suraksha mein madad karti hai. Is yojana ka uddeshya hai desh ke har vyakti ko samajik suraksha aur sthayitva pradan karna. Yeh ek saral aur prabhavi yojana hai jiske antargat har vyakti ek surakshit aur avishvasniya bhavishya ke liye apni pension prapt kar sakta hai.
Mujhe ummeed hai ki yeh Atal Pension Yojana ke baare mein likha gaya article aapko samajh mein aaya hoga. Agar aapko aur kisi vishay par jaankari chahiye ho, toh aap puchiye!
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