📖 Scheme Overview & Key Details
Atal Pension Yojana (APY) is a national pension initiative focused on providing financial security during old age to workers in the unorganized sector. Subscribers contribute a fixed monthly, quarterly, or half-yearly sum starting between the ages of 18 and 40. Based on the contribution amount and joining age, subscribers receive a guaranteed lifelong monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 upon reaching 60 years of age. Upon the subscriber's demise, the exact same monthly pension continues to the spouse for life, and after the death of both subscriber and spouse, the entire accumulated pension corpus is returned to the nominee.
✅ Who Can Apply – Eligibility Criteria
•All Indian citizens aged between 18 and 40 years
•Must hold a savings bank account or post office savings account
•Applicant must not be an income tax payer under income tax laws
📄 Required Documents – What You Need
📋 How to Apply – Step‑by‑Step Process
Step 1: Visit your local bank branch, post office, or open net-banking / APY online registration portal.
Step 2: Fill out the APY registration form and select your desired monthly pension amount (₹1,000 to ₹5,000).
Step 3: Provide nominee details and authorize auto-debit facility from your savings bank account.
Step 4: Receive confirmation SMS and APY PRAN card details once registration is complete.
📞 Help & Support – Official Contacts
Helpline / Support Office
1800110069 / apy@pfrda.org.in