Atal Pension Yojana
Assumptions
Contributions come from the PFRDA chart by joining age and pension slab; quarterly and half-yearly amounts are the chart's multiples. The pension is fixed in nominal rupees from age 60; the spouse receives the same pension after the subscriber and the nominee receives the corpus. The implied annual return solves contributions to 60 against the pension to the planning age plus the nominee corpus. Income-tax payers have been barred from joining since 1 October 2022.
Rules: Atal Pension Yojana contribution chart, reviewed 2026-09-11.
Central Bank of India · APY contribution chart
Estimates are not personalised financial advice. Review assumptions before use.
Contribution per payment
Based on your inputs. Not guaranteed.
From contribution to guaranteed pension
The guarantee is nominal; the implied return in the details compares it with an investment at your planning age.- 01Contribution per payment₹376Until age 60
- 02Total contributed₹1.58 lakh35 years
- 03Monthly pension from 60₹5,000₹651 in today's money
- 04Corpus to nominee₹8.5 lakhAfter both spouses
The guarantee is nominal; the implied return in the details compares it with an investment at your planning age.
View detailed breakdown
Contributions are money added during the year; growth is the change generated by the assumed return.
What does the implied return mean?
It is the annual rate at which your contributions would have to grow to pay the same pension and corpus. Compare it with alternatives, remembering the guarantee is nominal.
Detailed results
| Result | Value |
|---|---|
| Contribution per payment | ₹376 |
| Monthly equivalent | ₹376 |
| Years of contribution | 35 years |
| Total contributed to age 60 | ₹1.58 lakh |
| Guaranteed monthly pension from 60 | ₹5,000 |
| Pension in today's money at 60 | ₹651 |
| Corpus to nominee | ₹8.5 lakh |
| Implied annual return of the guarantee to age 80 | 5.28 % |
The pension is fixed in nominal rupees; the real-value line shows what it buys at 60 at your inflation assumption.
Schedule
| Year | Opening balance | Contributed | Growth | Closing balance |
|---|---|---|---|---|
| 1 | ₹0 | ₹4,512 | ₹0 | ₹4,512 |
| 2 | ₹4,512 | ₹4,512 | ₹0 | ₹9,024 |
| 3 | ₹9,024 | ₹4,512 | ₹0 | ₹13,536 |
| 4 | ₹13,536 | ₹4,512 | ₹0 | ₹18,048 |
| 5 | ₹18,048 | ₹4,512 | ₹0 | ₹22,560 |
| 6 | ₹22,560 | ₹4,512 | ₹0 | ₹27,072 |
| 7 | ₹27,072 | ₹4,512 | ₹0 | ₹31,584 |
| 8 | ₹31,584 | ₹4,512 | ₹0 | ₹36,096 |
| 9 | ₹36,096 | ₹4,512 | ₹0 | ₹40,608 |
| 10 | ₹40,608 | ₹4,512 | ₹0 | ₹45,120 |
| 11 | ₹45,120 | ₹4,512 | ₹0 | ₹49,632 |
| 12 | ₹49,632 | ₹4,512 | ₹0 | ₹54,144 |
| 13 | ₹54,144 | ₹4,512 | ₹0 | ₹58,656 |
| 14 | ₹58,656 | ₹4,512 | ₹0 | ₹63,168 |
| 15 | ₹63,168 | ₹4,512 | ₹0 | ₹67,680 |
| 16 | ₹67,680 | ₹4,512 | ₹0 | ₹72,192 |
| 17 | ₹72,192 | ₹4,512 | ₹0 | ₹76,704 |
| 18 | ₹76,704 | ₹4,512 | ₹0 | ₹81,216 |
| 19 | ₹81,216 | ₹4,512 | ₹0 | ₹85,728 |
| 20 | ₹85,728 | ₹4,512 | ₹0 | ₹90,240 |
| 21 | ₹90,240 | ₹4,512 | ₹0 | ₹94,752 |
| 22 | ₹94,752 | ₹4,512 | ₹0 | ₹99,264 |
| 23 | ₹99,264 | ₹4,512 | ₹0 | ₹1.04 lakh |
| 24 | ₹1.04 lakh | ₹4,512 | ₹0 | ₹1.08 lakh |
| 25 | ₹1.08 lakh | ₹4,512 | ₹0 | ₹1.13 lakh |
| 26 | ₹1.13 lakh | ₹4,512 | ₹0 | ₹1.17 lakh |
| 27 | ₹1.17 lakh | ₹4,512 | ₹0 | ₹1.22 lakh |
| 28 | ₹1.22 lakh | ₹4,512 | ₹0 | ₹1.26 lakh |
| 29 | ₹1.26 lakh | ₹4,512 | ₹0 | ₹1.31 lakh |
| 30 | ₹1.31 lakh | ₹4,512 | ₹0 | ₹1.35 lakh |
| 31 | ₹1.35 lakh | ₹4,512 | ₹0 | ₹1.4 lakh |
| 32 | ₹1.4 lakh | ₹4,512 | ₹0 | ₹1.44 lakh |
| 33 | ₹1.44 lakh | ₹4,512 | ₹0 | ₹1.49 lakh |
| 34 | ₹1.49 lakh | ₹4,512 | ₹0 | ₹1.53 lakh |
| 35 | ₹1.53 lakh | ₹4,512 | ₹0 | ₹1.58 lakh |