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All India · PensionAlso known as: Atal Pension Yojana · Atal Pension Scheme · APY · Atal Pension · अटल पेंशन योजना
A pension scheme where you invest a small amount monthly now and get a fixed pension after age 60.
| Scheme | Atal Pension Yojana (APY) |
|---|---|
| For | Pension |
| Where | All India |
| Department | Ministry of Finance (PFRDA) |
| How to apply | Online |
| Info checked | 2026-10-28 |
In short — check the official website for the full rules.
Apply online on the official government website (link below).
📞 The bank branch where your APY account was opened.
Steps reviewed October 2026 — processes can change, confirm on the official portal.
👴 All schemes for Senior Citizens
Age 18 to 40 when joining. Not an income-tax payer. Has a savings bank or post office account.
Guaranteed ₹1,000–₹5,000/month pension after age 60
Aadhaar Card, Bank Account (Aadhaar-linked), Mobile Number.
Apply online on the official website: https://www.myscheme.gov.in/schemes/apy
Your APY account (PRAN) is with your bank — ask the branch for a statement, or use its net-banking / app. You can also view the APY statement on the official NPS / APY record-keeping portal using your PRAN. Contributions are auto-debited every month / quarter from your savings account.
Pension starts only after age 60 — before that you build the corpus with your contributions. Keep enough balance for the auto-debit; missed contributions attract a small penalty and the account can be frozen if left unpaid for long. If the subscriber dies, the spouse continues to get the pension; after both, the nominee gets the corpus — through the same bank. The bank branch where your APY account was opened.
Answer a few simple questions on YojanaSahay — it tells you free of cost which schemes you qualify for, with the documents for each.
Official link last checked: 2026-10-28