Atal Pension Yojana

This page tells you everything about Atal Pension Yojana in an easy way. You will find the APY chart with monthly contribution amounts. You can also learn how to use the Atal Pension Yojana calculator. You can apply today if you are eligible for this scheme. It is for working people aged 18 to 40. Primarily those in jobs without a fixed pension.

Atal Pension Yojana Kya Hai?

Atal Pension Yojana (APY) is a government pension scheme launched in June 2015 by the Government of India. It was introduced in the Union Budget 2015-16 by Finance Minister Arun Jaitley. The scheme is managed by the Pension Fund Regulatory and Development Authority (PFRDA).

Many people want to know Atal Pension Yojana kya hai as they are still unaware about it. So under this scheme, you contribute a small amount each month. After age 60, you get a guaranteed lifetime monthly pension. The pension amount starts from ₹1,000 to ₹5,000 per month.

The scheme was made for people who work in the unorganized sector, such as:

• Maids
• Gardeners
• Plumbers
• Delivery workers
• Small shopkeepers
• Anyone else who does not have a company-backed pension.

In January 2026, the Union Cabinet officially extended APY up to the financial year 2030-31.

Atal Pension Yojana Chart — Monthly Contribution Table 2026

The Atal Pension Yojana chart below shows how much you need to pay every month based on the age at which you join and the pension amount you want. The earlier you join, the less you pay.

How to Use the Atal Pension Yojana Calculator

The Atal Pension Yojana calculator helps you find out exactly how much you need to pay per month to get your chosen pension.

How the Calculator Works

• Enter your current age.
• Choose the pension you want after age 60 (1,000 to 5,000).
• The calculator instantly shows monthly contribution and total investment by age 60.

Example

If you are 25 years old and want ₹5,000 per month as pension, you need to pay ₹376 per month. You will contribute for 35 years. Your total investment will be about ₹157,920. Your nominee will receive ₹8.5 lakh on your death.

Where to Find the APY Calculator

• NSDL official portal: npscra.nsdl.co.in.
• Bank internet banking: Most banks (SBI, HDFC, ICICI, PNB, etc.) have a built-in APY calculator.

Atal Pension Yojana Benefits

Following are all the key Atal Pension Yojana benefits you should know.

• Guaranteed pension: You are guaranteed a fixed monthly pension of ₹1,000 to ₹5,000 after age 60, for life
• Pension for spouse: After the subscriber's death, the spouse receives the same pension amount for their entire lifetime
• Return of corpus to nominee: After both the subscriber and spouse pass away, the nominee receives the full corpus amount (depending on the plan)
• Low monthly contributions: You can start with just ₹42 per month at age 18 for a ₹1,000 pension
• Tax benefit: Contributions to APY are eligible for tax deduction under Section 80CCD(1). An additional deduction of ₹50,000 is available under Section 80CCD(1B). Over and above the ₹1.5 lakh limit under 80C
• Government backed: The scheme is backed by the government of India
• Flexible contribution: You can pay on monthly, quarterly, or half yearly basis
• Auto-debit: Contributions are automatically deducted from your savings account

How to Do Atal Pension Yojana Login

You can do Atal Pension Yojana login via online and offline methods.

Online

• Visit npscra.nsdl.co.in or enps.nsdl.com.
• Click Subscriber Login.
• Enter your PRAN and password.

Bank internet banking

• Log in to your bank account.
• Go to the APY section.
• View your contribution history.

Bank branch

• Visit your bank.
• Provide your PRAN.
• The bank staff can print your APY statement

Note: Your PRAN (Permanent Retirement Account Number) is the unique 12 digit number assigned to you when you registered. It is your APY account number. Keep it safe.

Atal Pension Yojana Apply Online Method

You can do Atal Pension Yojana apply online through your bank's internet banking or the NSDL portal.

Internet Banking

• Log in to your bank internet banking portal.
• Open government schemes section.
• Select Atal Pension Yojana.
• Enter your Aadhaar and mobile number.
• Fill in your details.
• Confirm the auto debit instruction.
• Submit.
• Your PRAN will be generated. It will be sent to your mobile number.

Through Bank Branch (Offline)

• Go to a bank branch. Or go to a post office where you have a savings account.
• Ask for the APY registration form.
• Fill the form
• Attach Aadhaar card photocopy.
• Submit the form.
• Contributions will start being auto-debited from your account.

Note: Keep sufficient balance in your account on the auto-debit date. If your account has insufficient funds four times in a row, your APY account may be deactivated.

Eligibility for Atal Pension Yojana

• Must be an Indian citizen
• Age must be between 18 and 40 years.
• Must have an active savings bank account or post office savings account
• Aadhaar and mobile number must be linked to the bank account.
• Income taxpayers are NOT eligible. If you are found to be a taxpayer after joining, your APY account will be closed and only the accumulated savings will be returned.
• NRIs (Non Resident Indians) are not eligible

Important Rules You Should Know

• You must contribute for at least 20 years.
• Early exit before age 60 is only allowed in exceptional cases (such as terminal illness or death). In normal cases, early exit means you get back only the contributions plus interest earned (not the guaranteed pension).
• Changing your pension slab is allowed once per year, between April 1 and March 31.
• You can transfer your APY account to another bank by visiting the new bank.
• You can change your nominee details at any time through your bank branch or internet banking.