वृद्धावस्था पेंशन 2026: IGNOAPS + राज्यों की गाइड
Quick facts: ₹200/month (60-79 years) + ₹500/month (80+) under central IGNOAPS · states top up to ₹500-3,000 · eligibility: BPL / below SECC threshold · age 60+ · apply via state Social Welfare Dept or SSPIA portal.
Old Age Pension in India has two layers:
- IGNOAPS (Indira Gandhi National Old Age Pension Scheme) — central component (₹200-500/month)
- State top-up — every state adds its own share, taking totals to ₹500-3,000/month depending on state
Together, India covers ~3 crore senior citizens through this scheme. It’s one of the oldest and most essential welfare programs — particularly important for BPL seniors who lack retirement savings or family support.
IGNOAPS + State Pension Amounts (2025-26)
Approximate monthly pension by state (central + state combined):
| State | Age 60-79 | Age 80+ |
|---|---|---|
| Delhi | ₹2,000 | ₹2,500 |
| Haryana | ₹3,000 | ₹3,000 |
| Goa | ₹2,500 | ₹2,500 |
| Karnataka | ₹1,200 | ₹1,200 |
| Tamil Nadu | ₹1,000 | ₹1,200 |
| Kerala | ₹1,600 | ₹2,200 |
| Andhra Pradesh | ₹3,000 | ₹3,000 |
| Telangana | ₹2,016 | ₹2,016 |
| Maharashtra | ₹1,000-1,500 | ₹2,000 |
| Gujarat | ₹750 | ₹1,000 |
| Rajasthan | ₹750-1,000 | ₹1,500 |
| Uttar Pradesh | ₹1,000 | ₹1,000 |
| Madhya Pradesh | ₹600 | ₹600 |
| Bihar | ₹400 | ₹500 |
| West Bengal | ₹1,000 | ₹1,000 |
| Odisha | ₹500-1,000 | ₹700-1,200 |
| Jharkhand | ₹1,000 | ₹1,000 |
| Chhattisgarh | ₹350-500 | ₹650 |
| Assam | ₹1,200 | ₹1,200 |
| Punjab | ₹1,500 | ₹1,500 |
Actual amounts vary slightly; verify at your state’s Social Welfare Department portal.
पात्रता — Who Qualifies
IGNOAPS (Central eligibility)
- Age 60 or above
- BPL household — identified by SECC 2011 / state BPL survey
- Not receiving pension from another source (govt pension, EPFO pension, APY, etc.)
State scheme eligibility
- Same age criterion (60+)
- Varying income cap (some ₹48,000/year, some ₹1 lakh, state-specific)
- Usually more inclusive than IGNOAPS — non-BPL but low-income seniors qualify
Priority categories (across all states)
- Widows
- Persons with disability (40%+)
- Destitute elderly (no family support)
आवश्यक दस्तावेज़ — Documents Required
- Aadhaar card
- Bank passbook (Aadhaar-seeded)
- Age proof — Aadhaar / ration card / voter ID / Class 10 cert / birth cert
- Residence proof — domicile / voter ID / ration card
- BPL certificate (for IGNOAPS)
- SECC 2011 reference (if applicable)
- Widow/disability certificate (for priority)
- Photograph
आवेदन प्रक्रिया — How to Apply
Option 1: State Social Welfare Dept / SSPIA Portal
Each state has its portal:
| State | Portal |
|---|---|
| Central (IGNOAPS info) | nsap.nic.in |
| UP | sspy-up.gov.in |
| MP | socialsecurity.mp.gov.in |
| Bihar | serviceonline.bihar.gov.in |
| Rajasthan | rajssp.raj.nic.in |
| Maharashtra | aaplesarkar.mahaonline.gov.in |
| Karnataka | sevasindhu.karnataka.gov.in |
| TN | tnedistrict.tn.gov.in |
| Kerala | welfarepension.lsgkerala.gov.in |
| WB | wbsspensions.gov.in |
- Register / login with Aadhaar + mobile
- Navigate to “Old Age Pension” service
- Fill application + upload documents
- Submit → receive reference number
Option 2: Gram Panchayat / Ward Office / Block Office
- Walk in with all documents
- Panchayat Secretary / Ward Officer fills online form
- Provides acknowledgment slip
Option 3: Common Service Centre (CSC)
- Assisted digital application (₹30-100 service fee)
- Biometric e-KYC included
Verification
- Gram Panchayat / Ward Office verification
- BDO / Social Welfare Officer approval
- Timeline: 30-90 days from application to first pension
स्थिति चेक — Status Check
Login to your state’s Social Security / SSPIA portal with Aadhaar + OTP. Dashboard shows:
- Application stage
- Monthly pension history
- Bank transfer status
Common Rejection Reasons
- Aadhaar-bank NPCI link broken
- Income above cap
- Already receiving another pension (EPFO / APY / NPS)
- Age documentation mismatch
हेल्पलाइन — Helpline
| Service | Number |
|---|---|
| NSAP Central Helpline | 011-23381176 |
| State-specific | varies |
| Rural Development Ministry | 011-23380214 |
| Portal | https://nsap.nic.in (central) |
FAQ — Common Questions
I’m 62 but my father also receives IGNOAPS — can we both? Yes. IGNOAPS is individual — both can receive if both meet eligibility (age + BPL + no other pension).
I receive EPFO pension ₹2,000/month — eligible for IGNOAPS? No. Having any other regular pension disqualifies for IGNOAPS. Some states’ scheme may still allow if pension is very low; check state rules.
Is BPL status strictly required? For IGNOAPS (central), yes. Some state top-up schemes have broader income caps — you may qualify for state-only top-up without IGNOAPS. Check your state.
My pension is paid to old savings account. Can I change it? Yes. Visit your bank with new passbook + state welfare office to update DBT account mapping.
What if my Aadhaar was never seeded to my bank? Visit bank for NPCI-based Aadhaar seeding (not just Aadhaar linking). Without NPCI, DBT fails. This is the single most common payment issue.
Can I apply online without digital skills? Yes. Panchayat Secretary / Ward Officer / CSC VLE fills application on your behalf. Walk in with documents; the digital side is handled.
Related guides on LabhKosh
- Atal Pension Yojana
- PM-SYM Pension Yojana
- Senior Citizen Saving Scheme (SCSS)
- Widow Pension (Vidhwa Pension)
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Last verified: 20 April 2026. Official source: https://nsap.nic.in + state portals linked above.