• APY: 5 pension tiers (Rs 1K-5K/month)
• Auto-debit from bank
• Govt 50% co-contribution (till 2020)
• Spouse continuation post-death
• Pre-60 exit: only terminal illness / death

1. Auto-debit from bank monthly — Insufficient balance: penalty Rs 1/day.
2. Annual statement from bank — Track contributions.
3. Pension begins on 60th birthday — Direct credit.
4. Spouse continues post-subscriber-death — Or full corpus to nominee on both deaths.
5. Pre-60 exit: limited — PFRDA approval.
6. RTI for delays / disputes — PFRDA + bank.

• APY enrolment ID
• Aadhaar
• Bank account

• Auto-debit failed — bank balance issue; corpus reduces.
• Pension calculation dispute — RTI to PFRDA.
• Pre-60 exit denied — RTI for PFRDA criteria.
• Spouse not getting post-death — RTI for nominee policy.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of resolution / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

Yes — government guarantees minimum.

Only terminal illness / death. PFRDA approval.

Yes — once a year, April-September.

On 60th birthday. Auto-credit.

• All pension guides
• 25 status-check guides
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 32 helplines + grievance routes
• Full RTI Playbook

Last reviewed: 26 April 2026.