Atal Pension Yojana (APY) — Benefits, Eligibility & Apply Kaise Karein (2026)

Overview

Atal Pension Yojana (APY) ek government-backed pension scheme hai jo unorganised sector ke workers ke liye hai — dukaandar, drivers, maids, delivery partners, gig workers. Aap 18–40 saal ke beech har mahine chhota sa amount contribute karte ho, aur 60 saal ki umar se aapko guaranteed monthly pension milti hai — ₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000, jo aapne joining ke time choose kiya tha.

Shuru: 2015 Kiske Liye: Indian citizens 18–40 (unorganised sector)

Key Benefits

• 60 saal ki umar se fixed monthly pension (aap slab choose karte ho).
• Subscriber ki death ke baad spouse ko same pension milti hai.
• Dono ke baad nominee ko accumulated corpus (~₹1.7L–₹8.5L) milta hai.
• Baad mein join karne pe contribution badhta hai — 18 pe join karo toh sabse kam contribution lagta hai.
• Premium monthly / quarterly / half-yearly apke savings account se auto-debit ho sakta hai.
• Tax benefit: contribution Section 80CCD(1B) ke under qualify karta hai — 80C ke upar ₹50,000 ka additional deduction milta hai.

Eligibility

• Joining ke time age 18–40 saal honi chahiye.
• Active savings bank / PMJDY account hona chahiye.
• Aadhaar bank account ke saath seeded hona chahiye.
• Eligible nahi: income tax payers (Oct 2022 se — sirf non tax-payers APY join kar sakte hain).

Zaroori Documents

• Aadhaar
• Mobile number
• Savings bank account details
• Nominee ki details (naam, DOB, relation)

Apply Kaise Karein — Step by Step

1. Apne bank branch mein jaao (koi bhi bank) ya net banking / mobile banking app mein login karo.
2. 'Atal Pension Yojana' search karo — online form aa jaayega.
3. Pension amount, contribution frequency, aur nominee select karo.
4. Auto-debit mandate accept karo.
5. APY PRAN (Permanent Retirement Account Number) mil jaayega.

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