Atal Pension Yojana
✓ Information verified — April 2026Atal Pension Yojana (APY) is a retirement savings scheme run by the Ministry of Finance to help workers in the unorganized sector build a secure income for their old age. It is open to Indian citizens aged 18-40 years who want to voluntarily save for retirement. The scheme encourages regular savings and provides a guaranteed pension after age 60.
What You Get
- Guaranteed monthly pension after age 60
- Government contribution matching up to 50% of your contribution, subject to income limits
- Pension amount ranges from ₹1,000 to ₹5,000 per month depending on your savings and contribution period
- Portable across India - pension continues even if you move states
- Family pension available to spouse after pensioner's death
- Return of accumulated savings to legal heirs if subscriber dies before age 60
Who Can Apply
- Age: 18–40 years
- Age: Between 18 and 40 years at the time of enrollment
- Income: Not an income tax payer
- Bank Account: Must have a valid savings bank account or post office account
- Citizenship: Indian citizen
- No other social security scheme: Should not be covered under any other government pension scheme
- Regular contributions: Must contribute regularly to maintain the account
Documents Needed
0/5 collected
- 1. Aadhaar Card
- 2. Bank Passbook or Account Statement
- 3. Passport or Voter ID
- 4. Address Proof
- 5. Self-certification of income status
How to Apply
- 1Check your eligibility criteria above
- 2Gather all required documents listed below
- 3Visit the official portal (linked below)
- 4Fill the application form online / offline
- 5Submit the form and note your application reference number
- 6Track status on the official portal or visit nearest CSC
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Quick Facts
- Scheme Level
- Central Government
- Ministry
- Ministry Of Finance
- Category
- Financial
- Target Gender
- All genders
- Age Group
- 18–40 years
- Launched
- 1 Jun 2015
- Application
- Check portal
- Last Updated
- 26 Apr 2026
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