PENSION FUND REGULATORY & DEVELOPMENT AUTHORITY (PFRDA) · STATUTORY MATRIX
Atal Pension Yojana (APY) Monthly Contribution Calculator
Determine your required monthly contribution from ages 18 to 40 for a lifelong guaranteed Central Government pension between ₹1,000 and ₹5,000 per month upon turning 60.
Years
18 Years (Lowest Monthly Cost)29 Years40 Years (Statutory Max Entry)
🛡️Triple Guaranteed Protection Architecture:
- Subscriber: Guaranteed monthly pension for life starting at age 60.
- Spouse: Exactly identical 100% pension continues for life to surviving spouse.
- Nominee: Full accumulated corpus is returned in lump sum to legal nominees.
Required Monthly Contribution
₹376
Auto-debited monthly for 35 years until turning 60Lifetime Monthly Pension:₹5,000 / month
Total Investment Until Age 60:₹1,57,920
Return of Corpus to Nominee:₹8,50,000
Nominee Corpus-to-Deposit Ratio:5.38x Return
💰 Income Tax Benefit: Additional tax deduction up to ₹50,000 under Section 80CCD(1B) beyond the standard ₹1.5 Lakh 80C ceiling.
Official PFRDA APY Monthly Contribution Master Table (Sample Ages)
| Entry Age | Years to 60 | ₹1,000 Pension | ₹2,000 Pension | ₹3,000 Pension | ₹4,000 Pension | ₹5,000 Pension |
|---|---|---|---|---|---|---|
| 18 Years | 42 Yrs | ₹42 | ₹84 | ₹126 | ₹168 | ₹210 |
| 25 Years | 35 Yrs | ₹76 | ₹151 | ₹226 | ₹301 | ₹376 |
| 30 Years | 30 Yrs | ₹116 | ₹231 | ₹347 | ₹462 | ₹577 |
| 35 Years | 25 Yrs | ₹181 | ₹362 | ₹543 | ₹722 | ₹902 |
| 40 Years (Max) | 20 Yrs | ₹291 | ₹582 | ₹873 | ₹1,164 | ₹1,454 |