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Atal Pension Yojana (APY)

Atal Pension Yojana (APY) is a central government scheme run by the Department of Financial Services (run by PFRDA). A guaranteed pension of ₹1,000 to ₹5,000 a month from age 60, depending on how much you pay in. Who qualifies: Age 18 to 40 at joining, with a savings bank or post office account. Applying is free on jansuraksha.gov.in.

Last updated: Reviewed by IndiaDigital editorsSources

You getSee benefit below
WhereAll India (central government)
Run byDepartment of Financial Services (run by PFRDA)
Last checked30 October 2026

What do you get under Atal Pension?

A guaranteed pension of ₹1,000 to ₹5,000 a month from age 60, depending on how much you pay in. The same pension goes to your spouse after you.

Who is eligible for Atal Pension?

  • Age 18 to 40 at joining, with a savings bank or post office account.
  • Not open to income-tax payers (since October 2022).

Documents needed for Atal Pension

0 of 3 ready

Offices may ask for more. Check the official list before you go.

How to apply for Atal Pension

  1. Join at your bank or post office branch, or through your bank’s app or net banking.
  2. The contribution is auto-debited every month until you turn 60.

Go to the official site ↗

Common questions

Who is eligible for Atal Pension?

Age 18 to 40 at joining, with a savings bank or post office account. Not open to income-tax payers (since October 2022).

How much do I get under Atal Pension?

A guaranteed pension of ₹1,000 to ₹5,000 a month from age 60, depending on how much you pay in. The same pension goes to your spouse after you.

What documents do I need for Atal Pension?

Aadhaar card (linked to your mobile number); Bank passbook or account details (Aadhaar-seeded account); Mobile number for OTP.

How do I apply for Atal Pension?

Join at your bank or post office branch, or through your bank’s app or net banking. The contribution is auto-debited every month until you turn 60. Official site: https://jansuraksha.gov.in/

Do I have to pay anyone to apply for Atal Pension?

No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.

Official sources

Last checked 30 October 2026; next review by 30 April 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.

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