Atal Pension Yojana
Guaranteed pension of ₹1,000 to ₹5,000/month after age 60
What is Atal Pension Yojana?
Atal Pension Yojana (APY) is a government-guaranteed pension scheme for workers in the unorganised sector. By making small monthly contributions during your working years, you are guaranteed a fixed monthly pension of ₹1,000 to ₹5,000 after you turn 60.
Key Benefits
• Guaranteed pension of ₹1,000/₹2,000/₹3,000/₹4,000/₹5,000 per month — you choose
• On death, spouse receives the same pension
• On death of both subscriber and spouse, nominee receives the pension corpus
• Government co-contributed 50% of your contribution (for eligible subscribers who joined before 2015)
• Managed by PFRDA — fully regulated
Who is Eligible?
Indian citizens aged 18–40 years with a savings bank account who are not income taxpayers and not covered by any statutory social security scheme. You must have an Aadhaar-linked bank account.
Documents Required
• Savings bank account (any bank)
• Aadhaar card linked to bank account
• Mobile number
How to Enroll
Visit your bank branch or log in to net banking. Ask to open an APY account under your savings account. Choose your desired pension amount (₹1,000–₹5,000). The monthly contribution will be auto-debited. The younger you enroll, the lower your monthly contribution. For example, enrolling at 18 for ₹1,000/month pension costs just ₹42/month.
Scheme Assistance
N. Senthilkumar Nagendran
BJP Zone Incharge, Tamil Nadu — leading Seva Sankalp Abhiyan to bring every Central scheme to your doorstep.
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