Atal Pension Yojana (APY)
Atal Pension Yojana is a government pension scheme mainly for unorganised-sector workers. You contribute a small amount monthly until age 60 and then receive a guaranteed pension of ₹1,000–₹5,000 per month based on your chosen plan.
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Any Indian citizen aged 18–40 with a savings bank account can join and contribute until age 60.
A guaranteed pension between ₹1,000 and ₹5,000 per month after age 60, depending on your chosen plan and contribution.