Atal Pension Yojana (APY) is a government-backed pension scheme for the unorganised sector that gives a guaranteed monthly pension of ₹1,000 to ₹5,000 after the age of 60.
Apply and check your status free on the official Government of India portal.
Benefits
- Guaranteed monthly pension of ₹1,000–₹5,000 after age 60
- Family pension to the spouse on the subscriber’s death
- Low, auto-debited monthly contributions
- Corpus returned to nominees on death of subscriber and spouse
Eligibility
- Indian citizen aged 18–40 years
- Has a savings bank or post-office account
- Contributes regularly until the age of 60
Documents required
- Savings bank account
- Aadhaar & mobile number
How to apply
- Open APY via your bank net banking or branch.
- Choose your desired pension amount (₹1,000–₹5,000).
- Provide Aadhaar, mobile and savings-account details.
- Contributions are auto-debited monthly until you turn 60.
Helpline
1800-110-069 / 1800-180-1111
Official links
- APY details & forms (Jansuraksha) ↗
- APY information (NSDL CRA) ↗
- Check your eligibility on myScheme (Govt of India) ↗
Frequently asked questions
How much pension does Atal Pension Yojana give?
A guaranteed ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per month after age 60, based on your chosen amount and contribution.
Who can join Atal Pension Yojana?
Any Indian aged 18–40 with a savings bank account who contributes regularly until age 60.
Can I change my APY pension amount?
Yes — you can increase or decrease the pension amount once a year through your bank.