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  4. Atal Pension Yojana
👷 Workers & informal sector🧓 Senior citizens

Atal Pension Yojana

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.

Official portal · Ministry of Finance / PFRDAwww.npscra.nsdl.co.in/scheme-details.phpVisit official site
Last updated 19 Jul 2026 Verified against Ministry of Finance / PFRDA Educational guide, not a government site — see our editorial policy.

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Benefits

  • Guaranteed monthly pension of ₹1,000–₹5,000 after 60
  • Spouse continuation and nominee benefit
  • Low, fixed contributions

Eligibility

  • Indian citizen aged 18–40
  • With a savings bank account
  • As per the current APY rules

Documents needed

AadhaarSavings bank accountMobile number

How to apply

  1. 1Approach your bank or post office where you hold a savings account.
  2. 2Fill the APY registration form and choose your pension amount.
  3. 3Set up auto-debit for monthly contributions.
  4. 4Contribute regularly until age 60.
  5. 5Start receiving the guaranteed pension after 60.

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Frequently asked questions

Who can join Atal Pension Yojana?

Any Indian citizen aged 18–40 with a savings bank account can join and contribute until age 60.

How much pension does APY give?

A guaranteed pension between ₹1,000 and ₹5,000 per month after age 60, depending on your chosen plan and contribution.

Related schemes

Jan Dhan Yojana

Zero-balance bank account with insurance and DBT access.

PM Jeevan Jyoti Bima Yojana

Life insurance cover at an affordable yearly premium.

PM Ujjwala Yojana

Free LPG gas connection for women of low-income households.

PM Awas Yojana

Financial help to build or buy a pucca house.