Atal Pension Yojana

What is Atal Pension Yojana?

Guaranteed monthly pension from Rs. 1,000 to Rs. 5,000 after age 60

Benefit

#### Upon exit on attaining 60 years The subscriber shall receive the following three benefits on attaining the age of 60: **(i) Guaranteed minimum pension amount:** Each subscriber under APY shall receive a guaranteed minimum pension of Rs. 1000/- per month or Rs. 2000/- per month or Rs. 3000/- per month or Rs. 4000/- per month or Rs. 5000/- per month, after the age of 60 years until death. **(ii) Guaranteed minimum pension amount to the spouse:** After the subscriber’s demise, the spouse of the subscriber shall be entitled to receive the same pension amount as that of the subscriber,until death. **(iii) Return of the pension wealth to the nominee of the subscriber:** After the demise of both the subscriber and the spouse, the nominee of the subscriber shall be entitled to receive the pension wealth, as accumulated till the subscriber's age of 60 years. Contributions to the Atal Pension Yojana (APY) are eligible for tax benefits similar to the National Pension System (NPS) under section 80CCD(1). #### Voluntary exit (Exit before 60 Years of age): The subscriber shall be refunded only the contributions made by him to APY alongwith the net actual accrued income earned on his contributions (after deducting the account maintenance charges). However, in case of subscribers who joined the scheme before 31st March 2016 and have received the Government Co-Contribution, shall not receive the same including the accrued income earned thereon. #### For death before 60 years **Option

Level

Central

Ministry / Dept.

Pension Fund Regulatory and Development Authority

Benefit type

pension

Key eligibility

#### Age of joining and contribution period 1. The minimum age of joining APY is 18 years and maximum is 40 years. 1. The age of exit and start of pension is 60 years. 1. Subscriber contribution to APY shall be made through the facility of ‘auto-debit’ of the prescribed contribution amount from the

Last verified

11 Jun 2026

Benefits

#### Upon exit on attaining 60 years The subscriber shall receive the following three benefits on attaining the age of 60: **(i) Guaranteed minimum pension amount:** Each subscriber under APY shall receive a guaranteed minimum pension of Rs. 1000/- per month or Rs. 2000/- per month or Rs. 3000/- per month or Rs. 4000/- per month or Rs. 5000/- per month, after the age of 60 years until death. **(ii) Guaranteed minimum pension amount to the spouse:** After the subscriber’s demise, the spouse of the subscriber shall be entitled to receive the same pension amount as that of the subscriber,until death. **(iii) Return of the pension wealth to the nominee of the subscriber:** After the demise of both the subscriber and the spouse, the nominee of the subscriber shall be entitled to receive the pension wealth, as accumulated till the subscriber's age of 60 years. Contributions to the Atal Pension Yojana (APY) are eligible for tax benefits similar to the National Pension System (NPS) under section 80CCD(1). #### Voluntary exit (Exit before 60 Years of age): The subscriber shall be refunded only the contributions made by him to APY alongwith the net actual accrued income earned on his contributions (after deducting the account maintenance charges). However, in case of subscribers who joined the scheme before 31st March 2016 and have received the Government Co-Contribution, shall not receive the same including the accrued income earned thereon. #### For death before 60 years **Option

Eligibility

Documents Required

• ✓ Aadhaar or valid identity proof
• ✓ Address proof
• ✓ Bank account details
• ✓ Eligibility-specific certificate or record

How to Apply

1. Step 1: Online application — step 1

   Process 1:

2. Step 2: Online application — step 2

   One can also open an APY account online using one's Net banking facility. The applicant can login into his/her internet banking account and search for APY on dashboard. Customer has to fill basic and Nominee details. Customer has to give consent for auto debit of premium from the account and submit the form.

3. Step 3: Online application — step 3

   Process 2:

4. Step 4: Online application — step 4

   Visit website “ https://enps.nsdl.com/eNPS/NationalPensionSystem.html “ and select “Atal Pension Yojana”.

5. Step 5: Online application — step 5

   Select “APY Registration”

6. Step 6: Online application — step 6

   Fill the basic details in the form. One can complete KYC through 3 options –

7. Step 7: Online application — step 7

   Offline KYC – Where one has to upload XML file of Aadhaar Aadhaar – Where KYC is done through OTP verification on Mobile Number register with Aadhaar Virtual ID – Where Aadhaar virtual ID is created for KYC Citizen can select either one of three options. Once the basic details are filled, an acknowledgement number is generated. Citizen then has to fill personal details and decide the pension amount he/she wants after 60 years. The Citizen also has to decide the frequency of contribution for the scheme. Once the citizen “confirms” for personal details, he/she has to then fill nominee details. After submitting the personal and Nominee details, Citizen is redirected to NSDL website for eSign. Once Aadhaar is OTP verified, Citizen gets successfully registered in APY. One can also join digitally through e-APY portal or through web portal of banks providing such facility.

8. Step 8: Online application — step 8

   Visit website “ https://enps.nsdl.com/eNPS/NationalPensionSystem.html “ and select “Atal Pension Yojana”.

9. Step 9: Online application — step 9

   Helpline Number - - Toll Free Helpline number for APY Scheme is 1800-110-069

10. Step 10: Offline application — step 1

    One can visit the nearest Bank branch or Post Office where he/ she is having a saving bank account and submit the APY registration form for opening the APY account.

FAQ

Sources & References

• Official scheme website ↗
• Source record ↗
• Information is summarised from official government sources. Verify all details on the official website before applying.