Atal Pension Yojana (APY)

Central GovtCategory: PensionMinistry: Ministry of Finance

Guaranteed minimum pension of Rs. 1,000 to Rs. 5,000 per month after age 60 for unorganized sector workers. Monthly contributions starting at Rs. 42.

Eligibility criteria

  • Age 18-40

How to apply

Application mode: hybrid

  1. Visit bank or post office — Form available
  2. Fill APY form selecting pension amount — Form submitted
  3. Receive PRAN — Account active

Required documents

Required

  • Aadhaar Card — 12-digit UIDAI identification (Original or photocopy)
  • Bank Account Passbook — Active bank account (First page)
  • Passport-Size Photograph — Recent photograph (JPEG/PNG)

Official source: https://www.npscra.nsdl.co.in/scheme-details.php#atal-pension

Last verified: 23 June 2026

Your eligibility

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Compatibility with other schemes

Compatible schemes

You can claim this scheme alongside the following schemes.

  • Pradhan Mantri Jan Dhan Yojana (PMJDY) — APY requires a savings account for auto-debit; Jan Dhan accounts qualify

Incompatible schemes

You cannot claim this scheme together with the schemes below.

  • Pradhan Mantri Shram Yogi Maan-dhan Yojana (PM-SYM) — PM-SYM and APY are mutually exclusive — choose one