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Atal Pension Yojana (APY)

A voluntary pension scheme offering a guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60.

Last verified 9 September 2026

Atal Pension Yojana (APY) is a government-backed, voluntary pension scheme for all Indian citizens, especially aimed at workers in the unorganised sector. It is administered by the Pension Fund Regulatory and Development Authority (PFRDA) under the National Pension System architecture, through banks, post offices and payments banks.

At a Glance

Government level
Central
State
All India
Category
Social Security
Target beneficiaries
Citizens aged 18–40, especially unorganised-sector workers

Benefits

  • Guaranteed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 after age 60, based on the contribution plan chosen
  • On the subscriber’s death, the spouse receives the same guaranteed pension
  • After both subscriber and spouse pass away, the accumulated pension wealth is paid to the nominee
  • Monthly contribution amount depends on the age of joining and the pension amount selected

Eligibility

  • Must be a citizen of India
  • Age between 18 and 40 years at the time of joining
  • Must have a savings bank account or post office savings account with auto-debit enabled
  • Must contribute for a minimum of 20 years before the pension begins

Documents Required

  • Aadhaar card
  • Savings bank account or post office account
  • Mobile number for registration and updates
  • Nominee details

How to Apply

  1. 1.Visit your bank branch or post office where you hold a savings account
  2. 2.Fill the APY registration form, providing Aadhaar, mobile number and nominee details
  3. 3.Choose your desired pension amount; the required monthly contribution will be calculated based on your age
  4. 4.Authorise auto-debit of the monthly contribution from your account

Official Source

PFRDA / National Pension System Trust

Visit Official Source

Important Information

Government scheme rules, benefit amounts and eligibility criteria can change. Always confirm current details on the official source above before applying, and never pay any third party to access a government service.

Frequently Asked Questions

What is the maximum pension under APY?

A guaranteed monthly pension of up to ₹5,000 after age 60, depending on the contribution plan chosen at the time of joining.

Who administers Atal Pension Yojana?

The Pension Fund Regulatory and Development Authority (PFRDA), implemented through banks, post offices and payments banks.