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A pension scheme regulated by PFRDA. Eligible subscribers choose a monthly pension from age 60 and contribute from a linked savings or post-office account until age 60.
Atal Pension Yojana (APY) is a Government of India pension scheme regulated by PFRDA. An eligible subscriber chooses a monthly pension payable from age 60 and contributes until age 60.
An Indian citizen aged 18–40 with a savings-bank or post-office savings account may join, subject to scheme rules. From 1 October 2022, a person who is or has been an income-tax payer cannot newly join. Being an unorganised-sector worker is not stated here as a separate eligibility test.
The subscriber chooses a guaranteed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 from age 60. Contribution depends on age at joining and the chosen pension; contributions may be paid monthly, quarterly or half-yearly from the linked account until age 60.
After the subscriber's death, the spouse receives the same pension for life. After the spouse's death, the nominee receives the applicable pension wealth under scheme rules. Apply through a participating bank or post office using the official APY form, or start from PFRDA's current APY page. Aadhaar is desirable but not mandatory at enrolment according to PFRDA's FAQ; provide it later as instructed if not given initially.
No general enrollment deadline was found; the age and eligibility conditions apply. Before exiting early, consult the current PFRDA FAQ and servicing provider. A PFRDA notification dated 18 August 2025 addresses exit procedures; do not rely on unverified exit steps.
Last checked: 2026-10-02.