The Atal Pension Yojana (APY) is a flagship social security pension scheme launched by the Government of India on 9th May 2015 to provide old-age income security to Indians, especially workers in the unorganized sector. It operates under the National Pension System (NPS) and is regulated by the Pension Fund Regulatory and Development Authority (PFRDA).
APY is designed to ensure a fixed pension after the age of 60, based on voluntary and periodic contributions throughout your working life.
Atal Pension Yojana 2026 Overview
| Feature | Details |
|---|---|
| Scheme Name | Atal Pension Yojana (APY) |
| Launching Authority | Government of India (PFRDA / NPS Trust) |
| Objective | Old-age income security & pension |
| Eligibility Age | 18 to 40 years for new enrolments |
| Minimum Contribution Period | 20 years or more |
| Pension Amount (Guaranteed) | ₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000 per month after 60 |
| Who Can Join | Indian citizens with a Bank/Post Office savings account |
| Income Tax Payers | Not eligible since Oct 2022 |
| Enrollment Method | Online (eNPS/Bank/UMANG) or Offline at bank post office |
| Government Co-contribution | Provided for early eligible subscribers (2015-16) |
| Benefits to Spouse/Nominee | Spouse pension & corpus return to nominee |
| Administered by | PFRDA under NPS framework |
Eligibility Criteria for Atal Pension Yojana 2026
To enroll in APY in 2026, you must meet the following:
✔ Basic Requirements
- Must be an Indian citizen.
- Must be aged between 18 and 40 years at the time of joining.
- Should have a savings bank account / post office savings account.
- Contributions are auto-debited from this linked bank account.
✔ Income Tax Rule
- Individuals who are or have ever been income tax payers are not eligible to join APY (rule effective from October 2022).
Benefits of Atal Pension Yojana
✔ Guaranteed Pension at 60
Subscribers receive a fixed monthly pension of ₹1,000 — ₹5,000 from age 60, based on their contribution level.
✔ Spouse & Nominee Protection
- After your death, the spouse continues to get the same pension amount until their lifetime.
- After both deaths, the accumulated corpus returns to the nominee.
✔ Government Co-contribution (Historic)
Subscribers joining in the early years (2015-16) received government co-contribution for 5 years if eligible.
✔ Tax Benefits
Contributions to APY qualify for tax deductions under Section 80CCD of the Income Tax Act (up to overall limit).
Also Check PM Berojgari Bhatta Yojana 2026
How to Apply Online — Step-by-Step
You can apply for APY through a bank, post office, or online e-NPS/UMANG portal.
Online Application Pathways
- Via eNPS Portal (Official)
- Visit the official APY registration page:
https://enps.nps-proteantech.in/eNPS/ApySubRegistration.html - Fill in details: personal info, bank account, Aadhaar, mobile number.
- Choose pension amount (₹1,000 — ₹5,000) and contribution frequency.
- Complete Aadhaar KYC and submit.
- Visit the official APY registration page:
- Via Your Bank’s Net Banking/APP
- Login to your bank net banking (if supported).
- Under Services → “Atal Pension Yojana Enrollment”.
- Complete and submit.
- Via UMANG App
- Search for “Atal Pension Yojana” on UMANG app.
- Follow on-screen enrollment instructions.
Offline Application
- Visit your bank branch or post office.
- Fill and submit the APY registration form with Aadhaar details.
Important Official Links
| APY Online Enrollment (eNPS) | Apply Online Form |
| Atal Pension Yojana Scheme – Notification | Official Notification |
| Atal Pension Yojana Scheme – myScheme Portal | APY Portal |
