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Secure fixed retirement income with government-backed APY pension scheme
Your Monthly Contribution
Guaranteed Monthly Pension
Total You Will Contribute
Government Co-Contribution (50%)
The Atal Pension Yojana (APY), launched in 2015 by the Government of India, is a flagship social security scheme providing guaranteed lifelong pension for unorganized sector workers—self-employed individuals, informal workers, and anyone without employer-backed pension schemes. Unlike market-dependent investments, APY offers fixed monthly pension (₹1,000-₹5,000) starting at age 60, guaranteed for life. The scheme's unique feature is government co-contribution: the government matches 50% of your contribution for the first 5 years, significantly accelerating corpus accumulation. For example, a 30-year-old contributing ₹100/month receives ₹50/month government co-contribution for 5 years, then continues solo contributions until age 60, securing ₹3,000/month guaranteed pension. APY is ideal for self-employed individuals (doctors, lawyers, traders), small business owners, and informal workers who lack employer benefits. This calculator shows exactly how much you need to contribute monthly to reach your target pension, factoring in government support and compound growth over decades.
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This calculator is provided for informational and educational purposes only. While we strive for accuracy, results should be verified with official sources or by consulting qualified professionals. Tax laws, rates, and regulations are subject to change. GotRedFlags is not responsible for financial decisions made based on these tools.