• Government of India is concerned about the old age income security of the working poor and is focused on encouraging and enabling them to save for their retirement.
  • To address the longevity risks among the workers in unorganized sector and to encourage the workers in unorganized sector to voluntarily save for their retirement the Goernment of India launched Atal Pension Yojana in 2015-16 budget.


  • APY is applicable to all citizen of India aged between 18-40 years.
  • Aadhaar will be the primary KYC. If not available at the time of registration, Aadhar details may also be submitted later stage.
  • Saving bank account is required to subscribe under APY Scheme.


  • Under APY the subscribers have a choice to get Fixed monthly Pension amount from Rs. 1000/-, Rs.2000/-, Rs. 3000/-, Rs. 4000/- and Rs. 5000/- by paying monthly subscription as per Subscriber's Conribution chart


  • Maturity Period: On attaining the age of 60 years.
  • Closure before Maturity: Exit before 60 years of age is not permitted however it is permitted only in exceptional circumstances, i.e., in the event of the death of beneficiary or terminal disease.
  • In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee.
  • NOTE: please visit www.npscra.nsdl.co.in for latest instructions/ modification in the scheme.