🏦 Bank, insurance & pension · PFRDA, Ministry of Finance
Atal Pension Yojana (APY)
A guaranteed pension, mainly for workers in the unorganised sector.
What you get
Guaranteed ₹1,000 to ₹5,000 pension a month from 60
🔗 Direct official links
These open the government website in a new tab. Applying there is free; never pay anyone for a form.
✅ Benefits
- Choose a pension of ₹1,000, 2,000, 3,000, 4,000 or 5,000 a month from age 60.
- The monthly contribution depends on the pension chosen and your age when joining; joining younger costs less.
- After you, the spouse gets the same pension; after both, the nominee gets the saved amount.
👤 Who can apply
- Indian citizens aged 18 to 40 with a savings bank or post office account.
📄 Documents needed
- Savings bank / post office account
- Aadhaar
- Mobile number
📝 How to apply
- Fill the APY form at your bank branch or post office, or enrol through net banking.
- Choose the pension amount and contribution frequency (monthly / quarterly / half-yearly).
- Keep enough balance for the auto-debit; missed payments attract a small penalty.
Benefits in detail
- Choose a pension of ₹1,000, 2,000, 3,000, 4,000 or 5,000 a month from age 60.
- The monthly contribution depends on the pension chosen and your age when joining; joining younger costs less.
- After you, the spouse gets the same pension; after both, the nominee gets the saved amount.
Who can apply
- Indian citizens aged 18 to 40 with a savings bank or post office account.
Who is not eligible
- Anyone who is or has been an income tax payer (since 1 October 2022).
Documents needed
- Savings bank / post office account
- Aadhaar
- Mobile number
How to apply, step by step
- Fill the APY form at your bank branch or post office, or enrol through net banking.
- Choose the pension amount and contribution frequency (monthly / quarterly / half-yearly).
- Keep enough balance for the auto-debit; missed payments attract a small penalty.
Last checked against the official website: 26 Sept 2026
Amounts and rules can change. The official website is always final. YojanaHelper is an independent guide, not a government website.
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