Atal Pension Yojana Status & Balance Check 2026

Reviewed on: 2026-06-19.

Atal Pension Yojana (APY) is a government-guaranteed pension scheme administered by the Pension Fund Regulatory and Development Authority (PFRDA) and delivered through banks and post offices. Once you enrol, your bank auto-debits your monthly contribution from your savings account. Knowing your account status, whether contributions are going through and what your accumulated balance looks like, is straightforward once you know the right portals.

Before checking status, it helps to know what you enrolled for:

• A guaranteed monthly pension of Rs 1,000, Rs 2,000, Rs 3,000, Rs 4,000, or Rs 5,000 (whichever slab you chose) starting at age 60, paid until death.
• After the subscriber's death, the spouse receives the same monthly pension amount.
• After both subscriber and spouse die, the entire accumulated pension wealth goes to the nominee.

Eligibility: any Indian citizen aged 18 to 40 with a savings bank account. Income-tax payers who enrolled on or after 1 October 2022 are not eligible.

Your monthly contribution depends on the pension slab you chose and your age at enrolment. The earlier you join, the lower the monthly amount. For the exact contribution figure for your age and slab, refer to the official APY contribution chart at pfrda.org.in.

The APY CRA (Central Recordkeeping Agency) Lite portal at apy.nps-proteantech.in/CRAlite is the primary digital window for APY subscribers. Here you can:

• Check your subscriber registration status.
• View your ePRAN statement of transactions.
• Seed or verify your Aadhaar linkage.
• Raise and track grievances.

Steps:

1. Go to apy.nps-proteantech.in/CRAlite.
2. Click Login and choose the OTP method.
3. Enter your User ID, which is your PRAN (Permanent Retirement Account Number).
4. An OTP is sent to your Aadhaar-seeded mobile number. Enter it to proceed.
5. Once logged in, select ePRAN Statement of Transactions to see contribution credits, accumulated corpus, and account status.

What if you do not have your PRAN? Your PRAN is a 12-digit number issued when you enrolled. Check your APY acknowledgement letter, your bank's APY enrolment confirmation SMS, or ask your bank branch. If still missing, call the helpline.

What if your mobile is not Aadhaar-seeded? You will not receive the OTP. First update your Aadhaar-mobile linkage at any Aadhaar Seva Kendra, then return to the portal. Alternatively, use the bank or offline methods below. You can also check how to check your Aadhaar status to confirm your current Aadhaar details before logging in.

Since APY contributions are auto-debited from your savings account, your bank is always a reliable checkpoint:

• Passbook / bank statement. Every successful APY debit appears as a line item. If a month's debit is missing, your account lacked sufficient balance on that day, and the contribution was skipped.
• Net banking. Log in to your bank's net banking, navigate to your savings account statement, and filter for APY-related transactions.
• Bank branch. Visit the branch where you enrolled and ask the relationship manager or APY nodal officer for your contribution status and balance update. They can pull your account record directly from the CRA system.
• Post office. If you enrolled through a post office savings account, approach the branch where the account is held.

This method is the easiest for most subscribers and requires no additional login credentials.

• SMS alert. Most banks send an SMS each time an APY debit is processed. Save the message and check month by month.
• NPS SMS gateway. Send the message NPS to 56677 from your registered mobile to receive an account update from the NSDL CRA system.

These methods give a quick signal that the auto-debit went through; for a full transaction statement, use Method 1 or Method 2.

The UMANG (Unified Mobile Application for New-age Governance) app carries an NPS/APY module. Search for “NPS” inside the app, log in with your PRAN and OTP, and view your APY account summary. The app is available on Android and iOS. If the service is unavailable in your version of UMANG, use the CRA Lite portal instead.

When you read your ePRAN statement or bank statement, look for:

• PRAN: your unique 12-digit APY account number.
• Contribution credits: monthly debits from your savings account credited to your APY account. Each line should match the contribution amount for your age and slab.
• Accumulated pension wealth (corpus): the total amount built up so far, which grows with returns.
• Account status: should read “Active.” If it reads “Frozen” or “Defaulted,” one or more contributions have been missed.

APY allows you to keep making contributions up to age 60, but the scheme imposes a penalty for delayed or missed monthly credits:

• If your savings account did not have enough balance on the auto-debit date, the debit is skipped.
• A default charge applies for the missed period. The account is frozen if defaults continue for several months.
• To regularise, deposit the overdue contributions plus applicable penalty charges at your bank branch.

Check your bank passbook regularly so you catch a missed debit early. Also keep your linked savings account funded at least a few days before the usual debit date. For the exact penalty slab applicable to your account, confirm with your bank or check the official PFRDA APY page at pfrda.org.in.

This is similar to keeping your Jan Dhan account active so that government credits are not returned.

Voluntary exit before 60 is allowed only under specific circumstances, such as the subscriber's terminal illness or death. In the case of death, the spouse continues the account or takes the corpus. For standard voluntary exit before age 60, the subscriber receives only the contributed amount plus net accrued income (not the guaranteed pension). Full exit rules are detailed on the PFRDA scheme page. If you are approaching this situation, it is worth comparing with your EPF/PF balance to plan overall retirement corpus.

Contact your bank branch where the APY account was opened. The bank records your PRAN at enrolment. You can also call the PFRDA helpline on 1800 110 069 and provide your name, date of birth, and bank account details for retrieval assistance.

Your Aadhaar mobile linkage may be outdated. Update it at an Aadhaar Seva Kendra first. As an interim, check your contribution status through your bank passbook or visit the branch.

There can be a short processing lag. Wait two to three working days. If still missing, visit your bank branch with the debit proof (bank statement) and ask them to reconcile the contribution with the CRA. The branch is the Point of Presence for your APY account and is responsible for credit reconciliation.

Yes. The bar on income-tax payers applies to new enrolments after 1 October 2022. If you enrolled before that date, your existing account continues normally. You can check status using all the methods above.

A frozen account means one or more contributions were missed. Visit your bank branch, ask for the outstanding amount and penalty, deposit it, and ask the branch to submit a regularisation request to the CRA. The account becomes active again once the backlog is cleared.

Only the subscriber can log in to the CRA Lite portal. However, the bank branch can assist the spouse in accessing contribution records or initiating a claim process in the event of the subscriber's death. Ensure spouse details are already recorded in the CRA system. This is distinct from pension PPO status checks which cover government service pensions.

First, raise a grievance through the CRA Lite portal. You can also call the toll-free helpline 1800 110 069. If the issue involves your bank account, also approach your bank's nodal officer. Filing an RTI is another route; see the section below.

PFRDA APY toll-free helpline: 1800 110 069 (no call charge, available on working days).

File an RTI to: the bank branch nodal officer; scheme administered by PFRDA

• What is the current status of my APY account (PRAN: [your PRAN]), and how many contribution credits have been recorded as of [date]?
• Has any default penalty been applied to my account, and if so, what is the amount and the basis for calculation?
• What is the total accumulated pension wealth (corpus) standing in my account as of the latest valuation date?
• What nominee and spouse details are recorded in the CRA system against my PRAN?
• What action has been taken on my grievance reference number [X] submitted on [date] regarding my APY account?

→ Use our free AI RTI Drafter to generate a complete Section 6(1) application.

If you manage multiple government scheme accounts, you may also want to review PMJJBY and PMSBY claim status and Sukanya Samriddhi account status using the same bank-branch approach.

• PFRDA, Atal Pension Yojana scheme page: pfrda.org.in/schemes/atal-pension-yojana-apy
• APY CRA Lite portal (subscriber login, ePRAN statement): apy.nps-proteantech.in/CRAlite
• NPS Trust, APY account opening: npstrust.org.in/open-apy-account
• PFRDA homepage (helpline, subscriber statistics): pfrda.org.in

By Dr. Shrawan Kumar Pathak