Atal Pension Yojana

Atal Pension Yojana

Atal Pension Yojana
Atal Pension Yojana

Brief Purpose

The Government of India’s Atal Pension Yojana (APY), a pension programme, is targeted at employees in the unorganized sector.

BENEFITS Atal Pension Yojana

After reaching the age of 60, the APY will begin a minimum guaranteed pension of Rs. 1,000, Rs. 2,000, Rs. 3,000, Rs. 4,000, or Rs. 5,000 per month, depending on the contributions made by the subscribers for their selected pension amount.

In the event of the subscriber’s premature death, the government has chosen to provide the spouse of the subscriber the option to continue making contributions to the subscriber’s APY account for the remainder of the vesting term, up until the original subscriber would have reached the age of 60. 

Until the spouse’s death, the subscriber’s spouse is entitled to receive the same pension payment as the subscriber. When a subscriber and their spouse pass away,The subscriber’s nominee is eligible to collect the subscriber’s pension wealth up to the age of 60.


Anyone who is an Indian citizen may join the APY program. The requirements for eligibility are as follows: –

The subscriber should be between the ages of 18 and 40.

He or she ought to possess a savings account or post office savings account. When enrolling in the APY program, potential candidates may give the bank their mobile number in order to receive periodic updates on both the APY scheme and their APY account. As long as the APY scheme has been made aware of it, Aadhaar may likewise be submitted at the time of enrollment.

Citizens who currently pay income taxes or have in the past will no longer be allowed to join APY as of October 1, 2022.

If a customer who signed up on or after October 1, 2022, is later discovered to have an APY account will be terminated, and the subscriber will get the total amount of pension wealth accrued up to that point if they were an income-tax payer on or before the date of application.

Atal Pension Yojana Information

Pension Amount Up to Rs.5,000
Age Limit 18 years – 40 years
Contribution Period Minimum 20 years
Exit Age 60 years


How to apply

The subscriber should go to the bank branch or post office where their savings account is kept, or if they don’t already have one, they should open one.

Step 1. Visit the official website

Visit the official website
Visit the official website

Step 2.

Click on “new application registration” on the home page of the website.

Step 3.

Inter all important information on your documents.

Step 4.

Fill out the application, first name, middle name, last name, email id, Aadhar number, mobile number) carefully.

Fill out the application
Fill out the application

Step 5

You have entered your login by going to the login section.

Atal Pension Yojana

APY Calculator

Calculate APY

Calculate APY
Calculate APY

Based on regular monthly contributions, the percentage of corpus reinvested for purchasing annuities, and assumed rates in respect of returns on investment and annuity selected, this pension calculator estimates the potential Pension and Lump Sum amount an NPS subscriber may expect at maturity or 60 years of age.

Based on regular monthly contributions
subscriber may expect at maturity or 60 years of age
subscriber may expect at maturity or 60 years of age



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