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CentralFinancial InclusionSocial Welfare

Atal Pension Yojana (APY)

Guaranteed monthly pension of ₹1,000–₹5,000 from age 60 for the unorganised sector.

Atal Pension Yojana (APY) eligibility, benefits, and the application process are summarised below to help you decide whether this central government scheme from Pension Fund Regulatory and Development Authority (PFRDA) suits your needs. You are generally eligible if you are applicants aged 18–40 years. Key benefits include Fixed monthly pension of ₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000 from age 60, Government co-contribution for eligible subscribers and spouse continues to receive pension after the subscriber's death. To apply for Atal Pension Yojana (APY), open an APY account at a bank or post office with a savings account and auto-debit mandate. Choose the pension amount and contribution level.

Open official source ↗Pension Fund Regulatory and Development Authority (PFRDA)

About the scheme

APY is a retirement savings scheme for workers in the unorganised sector. Subscribers aged 18–40 contribute regularly and receive a guaranteed fixed monthly pension (₹1,000 to ₹5,000) from age 60, with spousal and nominee benefits.

Launched: 2015

Benefits

  • Fixed monthly pension of ₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000 from age 60
  • Government co-contribution for eligible subscribers
  • Spouse continues to receive pension after the subscriber's death

How to apply

Open an APY account at a bank or post office with a savings account and auto-debit mandate. Choose the pension amount and contribution level.

Apply / read on official site ↗

FAQ — eligibility, benefits & apply

What is the eligibility for Atal Pension Yojana (APY)?

Eligibility for Atal Pension Yojana (APY) broadly covers applicants aged 18–40 years. It is a central government scheme administered by Pension Fund Regulatory and Development Authority (PFRDA).

What are the benefits of Atal Pension Yojana (APY)?

Atal Pension Yojana (APY) provides the following benefits: Fixed monthly pension of ₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000 from age 60; Government co-contribution for eligible subscribers; Spouse continues to receive pension after the subscriber's death.

How do I apply for Atal Pension Yojana (APY)?

To apply for Atal Pension Yojana (APY), open an APY account at a bank or post office with a savings account and auto-debit mandate. Choose the pension amount and contribution level. Submit your application only through the official source linked on this page.

What documents are required for Atal Pension Yojana (APY)?

Required documents vary by scheme and are listed on the official source. Commonly needed: Aadhaar, bank passbook, income or caste certificate, ration card, and (for farmer schemes) land records. Confirm the exact list on the official portal linked on this page.

How do I check my Atal Pension Yojana (APY) application or status?

Status and applications are handled on the official government portal, not here. Open the official source linked on this page and use its tracking or beneficiary-search tool. SchemeKendra is informational and does not process applications.

Who is NOT eligible for Atal Pension Yojana (APY)?

Eligibility exclusions depend on the scheme's criteria (income, age, occupation, social category, state). Review the eligibility-at-a-glance panel and the official guidelines linked here to confirm whether you qualify.

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