Physical Address
304 North Cardinal St.
Dorchester Center, MA 02124
अटल पेंशन योजना 2026: पात्रता, मासिक प्रीमियम और पेंशन स्लैब
Quick facts: For age 18-40 · guaranteed pension of ₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000 per month after age 60 · income-tax payers excluded since Oct 2022 · auto-debit from bank account · regulated by PFRDA.
For the 40-crore-plus unorganized-sector workforce of India — farmers, shopkeepers, gig workers, domestic help, drivers — retirement has always been a gap. Atal Pension Yojana (APY), launched on 1 June 2015, is the government’s answer: a small, predictable monthly contribution during your working years that guarantees you (and your spouse after you) a fixed pension for life after age 60. Over 6 crore subscribers are already enrolled.
APY क्या है — How the Scheme Works
APY is a defined-benefit scheme — you choose the pension you want, and the contribution required is calculated from your age at enrolment.
- Pension options: ₹1,000 · ₹2,000 · ₹3,000 · ₹4,000 · ₹5,000 per month
- When it starts: from the month after you complete age 60
- How long it pays: for your lifetime; after your death, your spouse gets the same pension for their lifetime
- Corpus after both: returned to your nominee (approximately ₹1.7 lakh for ₹1,000 pension, up to ₹8.5 lakh for ₹5,000 pension)
- Contribution mode: auto-debit from your savings bank account — monthly, quarterly, or half-yearly
- Regulator: Pension Fund Regulatory and Development Authority (PFRDA) through NSDL / CRA
पात्रता — Who Qualifies
- Indian citizen aged 18 to 40 years
- Must have an active savings bank account (for auto-debit)
- Aadhaar is mandatory
- Must have an active mobile number for SMS alerts
Who is excluded
- Income-tax payers (excluded since 1 October 2022) — if you filed ITR as a taxpayer in any year, you cannot enrol. Existing pre-Oct-2022 members continue.
- Beneficiaries of another statutory pension scheme (EPFO members are OK — their EPS is additional)
Contribution pauses if
- Account balance is insufficient for auto-debit — penalty of ₹1 to ₹10 per ₹100 of due amount is added
- Account discontinued for 12 consecutive months without catch-up — account is closed; contribution refunded net of maintenance charges
मासिक प्रीमियम चार्ट — Monthly Premium Chart
Your contribution depends on age at entry and target pension. Examples:
| Age at entry | ₹1,000 pension | ₹2,000 pension | ₹3,000 pension | ₹4,000 pension | ₹5,000 pension |
|---|---|---|---|---|---|
| 18 | ₹42 | ₹84 | ₹126 | ₹168 | ₹210 |
| 25 | ₹76 | ₹151 | ₹226 | ₹301 | ₹376 |
| 30 | ₹116 | ₹231 | ₹347 | ₹462 | ₹577 |
| 35 | ₹181 | ₹362 | ₹543 | ₹722 | ₹902 |
| 40 | ₹291 | ₹582 | ₹873 | ₹1,164 | ₹1,454 |
Reading the table: at age 18 you pay ₹42/month for 42 years to get ₹1,000/month pension for life. At age 40 (last entry age), you pay ₹291/month for 20 years to get the same ₹1,000. Lower entry age = dramatically lower total cost. (Full contribution tables are at jansuraksha.gov.in.)
आवश्यक दस्तावेज़ — Documents You Need
- Aadhaar card
- Active savings bank account — must be in your own name
- Mobile number — for SMS alerts and UAN retrieval
- Income declaration — a one-line self-declaration that you are not an income-tax payer (on the APY form)
खाता कैसे खोलें — How to Open an APY Account
APY accounts can only be opened through your bank — not a separate portal. Every PSU and major private bank offers it.
- Visit your bank branch or use your net banking app
- Search for “Atal Pension Yojana” (usually under Government Schemes)
- Fill the form: choose pension slab, contribution frequency, nominee details
- Consent to auto-debit (your bank mandate)
- Submit. You’ll receive your PRAN (Permanent Retirement Account Number) by SMS within a few days
Through net banking (fastest)
- SBI — YONO → Financial Services → APY
- HDFC — NetBanking → Open Account → Atal Pension Yojana
- ICICI — iMobile → Open Instant → Government Scheme → APY
- PNB — PNB One → Open Account → APY
In-branch
Walk in with Aadhaar + passbook. Most branches complete the onboarding in one visit.
Upgrading or Downgrading Your Pension Slab
- You can upgrade or downgrade your pension amount once a year, typically in April
- The change triggers a recalculation of your contribution based on your current age
- No penalty for the change itself; you just pay the new contribution from the month of the switch
What Happens on Different Events
| Event | What happens |
|---|---|
| Subscriber dies before 60 | Spouse can continue the account; or choose to withdraw accumulated corpus |
| Subscriber dies after 60 | Spouse receives same pension for life |
| Both die | Nominee receives the corpus (~₹1.7L to ₹8.5L based on slab) |
| Voluntary exit before 60 | Allowed only in exceptional cases (terminal illness etc.); you receive your contributions + actual returns earned, minus charges |
| Bank balance insufficient | Penalty added to next debit; account paused if 12 months missed |
Tax Benefits
- Section 80CCD(1) deduction available for your contribution — subject to overall 80C+80CCD(1) limit of ₹1.5 lakh
- Section 80CCD(1B) additional ₹50,000 deduction over and above 80C (this is the standout benefit unique to pension schemes)
- Pension received post 60 is taxable as income in the receiving year
हेल्पलाइन — Official Helpline
| Service | Number |
|---|---|
| NPS/APY Customer Care | 1800-110-069 (toll-free) |
| PFRDA | 011-26121077 |
| apy[at]pfrda.org.in | |
| Portal | https://www.jansuraksha.gov.in · https://www.npscra.nsdl.co.in |
Related guides on LabhKosh
- NPS Tier 1 vs Tier 2: Which to Open
- E-Shram Card + PM-SYM Pension Linkage
- PMJJBY ₹436 Life Insurance Guide
- Senior Citizen Saving Scheme (SCSS) Guide
🏠 अपनी जमीन का रिकॉर्ड भी देखें Download the bhulekh app — खसरा, खतौनी, भू-नक्शा सब एक जगह।
Last verified: 20 April 2026. Official source: https://www.jansuraksha.gov.in · https://www.npscra.nsdl.co.in
Yeh website kisi bhi sarkari vibhaag se sambandhit nahi hai. Yahan di gayi jaankari sirf shaikshanik uddeshya ke liye hai.
I am 42 years old. Am I eligible for Atal Pension Yojana?
No. Maximum entry age for APY is 40 years. If you are older, consider the National Pension System (NPS), which accepts subscribers up to age 70.
Can I have both APY and NPS at the same time?
Yes. APY provides a defined pension while NPS is market-linked. Many subscribers hold both to diversify pension sources.
I became an income-tax payer after enrolling in APY. Must I exit?
No. If you enrolled before 1 October 2022, you continue normally regardless of later income-tax status. The restriction applies to fresh enrolments only.
What happens if I miss an APY contribution?
A penalty of ₹1 to ₹10 per ₹100 of the due amount is added to the next debit. Your account remains active. If 12 consecutive months are missed, the account is closed.
What tax benefits does APY offer?
Contributions qualify under Section 80CCD(1) within the ₹1.5 lakh 80C limit, plus an additional ₹50,000 deduction under 80CCD(1B) which is unique to pension schemes.
