{"id":57191,"date":"2026-07-23T01:44:02","date_gmt":"2026-07-22T20:14:02","guid":{"rendered":"https:\/\/kolar18.com\/?p=57191"},"modified":"2026-07-23T01:44:02","modified_gmt":"2026-07-22T20:14:02","slug":"%e0%a4%85%e0%a4%9f%e0%a4%b2-%e0%a4%aa%e0%a5%87%e0%a4%82%e0%a4%b6%e0%a4%a8-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be-apy-%e0%a4%85%e0%a4%b8%e0%a4%82%e0%a4%97%e0%a4%a0%e0%a4%bf%e0%a4%a4-%e0%a4%95","status":"publish","type":"post","link":"https:\/\/kolar18.com\/?p=57191","title":{"rendered":"\u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (APY): \u0905\u0938\u0902\u0917\u0920\u093f\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0915\u0930\u094b\u0921\u093c\u094b\u0902 \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u092c\u0941\u0922\u093c\u093e\u092a\u0947 \u0915\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>\u0928\u0908 \u0926\u093f\u0932\u094d\u0932\u0940\u0964 \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u092a\u094d\u0930\u092e\u0941\u0916 \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (Atal Pension Yojana &#8211; APY) \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0926\u0947\u0936 \u0915\u0947 \u0905\u0938\u0902\u0917\u0920\u093f\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u0935\u0943\u0926\u094d\u0927\u093e\u0935\u0938\u094d\u0925\u093e \u092e\u0947\u0902 \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u092f \u0915\u093e \u0938\u0939\u093e\u0930\u093e \u0926\u0947\u0928\u093e \u0939\u0948\u0964 \u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u0940 \u0936\u0941\u0930\u0941\u0906\u0924 9 \u092e\u0908 2015 \u0915\u094b \u0915\u0940 \u0917\u0908 \u0925\u0940, \u0924\u093e\u0915\u093f \u0910\u0938\u0947 \u0928\u093e\u0917\u0930\u093f\u0915\u094b\u0902 \u0915\u094b \u092a\u0947\u0902\u0936\u0928 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092e\u093f\u0932 \u0938\u0915\u0947 \u091c\u093f\u0928\u0915\u0947 \u092a\u093e\u0938 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0906\u092f \u0915\u093e \u0915\u094b\u0908 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0938\u093e\u0927\u0928 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964<\/p>\n<p><strong>\u0915\u094d\u092f\u093e \u0939\u0948 \u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (APY)?<\/strong><\/p>\n<p>\u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u090f\u0915 \u0917\u093e\u0930\u0902\u091f\u0940\u0921 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0932\u093e\u092d\u093e\u0930\u094d\u0925\u0940 60 \u0935\u0930\u094d\u0937 \u0915\u0940 \u0906\u092f\u0941 \u092a\u0942\u0930\u0940 \u0939\u094b\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092a\u0947\u0902\u0936\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u092f\u094b\u0917\u0926\u093e\u0928 \u0930\u093e\u0936\u093f \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u0940 \u0909\u092e\u094d\u0930 \u0914\u0930 \u091a\u0941\u0928\u0940 \u0917\u0908 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0924\u092f \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/p>\n<p><strong>\u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u092e\u093f\u0932 \u0938\u0915\u0924\u0940 \u0939\u0948 \u20b91,000 \u0938\u0947 \u20b95,000 \u0924\u0915 \u092a\u0947\u0902\u0936\u0928<\/strong><\/p>\n<p><strong>APY \u0915\u0947 \u0924\u0939\u0924 \u0938\u0926\u0938\u094d\u092f \u0915\u094b 60 \u0935\u0930\u094d\u0937 \u0915\u0940 \u0906\u092f\u0941 \u0915\u0947 \u092c\u093e\u0926:<\/strong><\/p>\n<ul>\n<li>\u20b91,000 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u092a\u0947\u0902\u0936\u0928<br \/>\n&#8211; \u20b92,000 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u092a\u0947\u0902\u0936\u0928<br \/>\n&#8211; \u20b93,000 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u092a\u0947\u0902\u0936\u0928<br \/>\n&#8211; \u20b94,000 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u092a\u0947\u0902\u0936\u0928<br \/>\n&#8211; \u20b95,000 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u092a\u0947\u0902\u0936\u0928<\/li>\n<\/ul>\n<p>\u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0947 \u092f\u094b\u0917\u0926\u093e\u0928 \u0914\u0930 \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0928\u0947 \u0915\u0940 \u0909\u092e\u094d\u0930 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n<p><strong>\u0915\u094c\u0928 \u0932\u0947 \u0938\u0915\u0924\u093e \u0939\u0948 APY \u0915\u093e \u0932\u093e\u092d?<\/strong><\/p>\n<p><span style=\"color: #ff9900;\">\u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f:<\/span><\/p>\n<ul>\n<li>\u0906\u0935\u0947\u0926\u0915 \u0915\u0940 \u0909\u092e\u094d\u0930 18 \u0938\u0947 40 \u0935\u0930\u094d\u0937 \u0915\u0947 \u092c\u0940\u091a \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<br \/>\n&#8211; \u0906\u0935\u0947\u0926\u0915 \u0915\u0947 \u092a\u093e\u0938 \u092c\u0948\u0902\u0915 \u092f\u093e \u0921\u093e\u0915\u0918\u0930 \u092c\u091a\u0924 \u0916\u093e\u0924\u093e \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<br \/>\n&#8211; \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u0932\u0902\u092c\u0947 \u0938\u092e\u092f \u0924\u0915 \u0928\u093f\u092f\u092e\u093f\u0924 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<br \/>\n&#8211; \u0905\u0938\u0902\u0917\u0920\u093f\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0915\u093e\u092e\u0917\u093e\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u0921\u093c\u093e \u0938\u0939\u093e\u0930\u093e<\/li>\n<\/ul>\n<p>\u0930\u093f\u0915\u094d\u0936\u093e \u091a\u093e\u0932\u0915, \u0918\u0930\u0947\u0932\u0942 \u0915\u093e\u092e\u0917\u093e\u0930, \u091b\u094b\u091f\u0947 \u0926\u0941\u0915\u093e\u0928\u0926\u093e\u0930, \u092e\u091c\u0926\u0942\u0930 \u0914\u0930 \u0905\u0928\u094d\u092f \u0905\u0938\u0902\u0917\u0920\u093f\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f APY \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092f\u094b\u091c\u0928\u093e \u0938\u093e\u092c\u093f\u0924 \u0939\u094b \u0930\u0939\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u092c\u0941\u091c\u0941\u0930\u094d\u0917 \u0905\u0935\u0938\u094d\u0925\u093e \u092e\u0947\u0902 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\u0938\u0939\u093e\u092f\u0924\u093e \u091c\u093e\u0930\u0940 \u0930\u0916\u0928\u0947 \u0915\u0940 \u092e\u0902\u091c\u0942\u0930\u0940 \u0926\u0940 \u0917\u0908 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0905\u0927\u093f\u0915 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u093e \u0932\u093e\u092d \u092e\u093f\u0932 \u0938\u0915\u0947\u0964<\/p>\n<p><strong>APY \u0938\u0947 \u091c\u0941\u0921\u093c\u0928\u0947 \u0915\u093e \u0924\u0930\u0940\u0915\u093e<\/strong><\/p>\n<p>\u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0907\u091a\u094d\u091b\u0941\u0915 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0905\u092a\u0928\u0947 \u092c\u0948\u0902\u0915 \u092f\u093e \u0905\u0927\u093f\u0915\u0943\u0924 \u0921\u093e\u0915\u0918\u0930 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u094b\u0917\u0926\u093e\u0928 \u0930\u093e\u0936\u093f \u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u0947 \u0938\u0947 \u0924\u092f \u0905\u0902\u0924\u0930\u093e\u0932 \u092a\u0930 \u0938\u094d\u0935\u0924\u0903 \u091c\u092e\u093e \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n<p><strong>\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/strong><\/p>\n<p>\u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0915\u0932\u094d\u092f\u093e\u0923 \u092a\u0939\u0932 \u0939\u0948, \u091c\u094b \u0926\u0947\u0936 \u0915\u0947 \u0915\u0930\u094b\u0921\u093c\u094b\u0902 \u0928\u093e\u0917\u0930\u093f\u0915\u094b\u0902 \u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0940 \u0926\u093f\u0936\u093e \u092e\u0947\u0902 \u0906\u0917\u0947 \u092c\u0922\u093c\u093e\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930 \u0930\u0939\u0940 \u0939\u0948\u0964 \u0928\u093f\u092f\u092e\u093f\u0924 \u092c\u091a\u0924 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u092f\u0939 \u092f\u094b\u091c\u0928\u093e \u092c\u0941\u091c\u0941\u0930\u094d\u0917\u094b\u0902 \u0915\u094b \u0938\u092e\u094d\u092e\u093e\u0928\u091c\u0928\u0915 \u0914\u0930 \u0906\u0924\u094d\u092e\u0928\u093f\u0930\u094d\u092d\u0930 \u091c\u0940\u0935\u0928 \u091c\u0940\u0928\u0947 \u0915\u093e \u0905\u0935\u0938\u0930 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; \u0928\u0908 \u0926\u093f\u0932\u094d\u0932\u0940\u0964 \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u092a\u094d\u0930\u092e\u0941\u0916 \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (Atal Pension Yojana &#8211; APY) \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0926\u0947\u0936 \u0915\u0947 \u0905\u0938\u0902\u0917\u0920\u093f\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u0935\u0943\u0926\u094d\u0927\u093e\u0935\u0938\u094d\u0925\u093e \u092e\u0947\u0902 \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u092f \u0915\u093e \u0938\u0939\u093e\u0930\u093e \u0926\u0947\u0928\u093e \u0939\u0948\u0964 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