Atal Pension Yojana (APY)
A guaranteed minimum monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 from age 60.
India · Pension · Checked October 2026
At a glance
- Pension
- ₹1,000 to ₹5,000 a month from age 60, as you choose
- Joining age
- 18 to 40 years
- Contributions
- Monthly, quarterly or half-yearly
- After the subscriber
- Pension goes to the spouse, then the accumulated corpus to the nominee
- Run by
- PFRDA, under the National Pension System
- Enrolments
- More than 9.04 crore (as of 30 April 2026)
Who can apply
- Bank account holders aged 18 to 40 who are not income tax payers.
- Your contribution depends on the pension amount you choose and your age when you join.
How to apply
- Ask your bank or post office to enrol you, or use the Jan Suraksha portal.
- Pick the pension amount, and the bank will show the contribution for your age.
Documents you usually need
- Aadhaar
- Bank account
Things to know
- The exact contribution chart is not reproduced here. Your bank will show the amount for your age and chosen pension.
- Leaving early is possible under conditions, with the government's co-contribution deducted.
Frequently asked questions
What is Atal Pension Yojana?
Atal Pension Yojana (APY): A guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60, based on what you contribute.
Who is eligible for Atal Pension Yojana?
Bank account holders aged 18 to 40 who are not income tax payers. Your contribution depends on the pension amount you choose and your age when you join.
What do you get under Atal Pension Yojana?
A guaranteed minimum monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 from age 60.
How do I apply for Atal Pension Yojana?
Ask your bank or post office to enrol you, or use the Jan Suraksha portal. Pick the pension amount, and the bank will show the contribution for your age.
Read next
Sources
Details checked on October 2026 against:
General information from official sources, not legal or financial advice. SaveItIndia is not a government website. Schemes change, so confirm amounts, dates and eligibility on the official portal or with your bank before you apply.