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Atal Pension Yojana (APY) — guaranteed pension Rs 1K-5K/month after 60

Government-guaranteed pension Rs 1,000 to Rs 5,000/month after age 60. Auto-debit from bank account. For unorganised sector workers.

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—yojana:atal-pension-yojana [2026/05/05 04:27] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>
 +metatag-keywords=(atal pension yojana, apy, guaranteed pension, npslite, retirement pension)
 +metatag-description=(Government-guaranteed pension Rs 1,000 to Rs 5,000/month after age 60. Auto-debit from bank account. For unorganised sector workers.)
 +}}
  
 +====== Atal Pension Yojana (APY) — guaranteed pension Rs 1K-5K/month after 60 ======
 +{{:social:auto:yojana-atal-pension-yojana.png?direct&1200 |Atal Pension Yojana (APY) — guaranteed pension Rs 1K-5K/month after 60 — RTI Wiki}}
 +
 +<WRAP info>
 +**Guaranteed pension Rs 1,000 / 2,000 / 3,000 / 4,000 / 5,000 per month after age 60, based on contribution + age at entry.**
 +
 +**Launched:** 2015  ·  **Issued by:** Pension Fund Regulatory & Development Authority (PFRDA)
 +</WRAP>
 +
 +===== Who is eligible =====
 +  * Indian citizen, age 18-40 at entry
 +  * Active savings bank account / post office account
 +  * Aadhaar (mandatory)
 +  * NOT eligible: income tax payers (post September 2022), government employees (covered by NPS)
 +
 +===== What you get =====
 +Pension Rs 1,000 / 2,000 / 3,000 / 4,000 / 5,000 per month based on chosen tier. Spouse continues pension after subscriber death. Lump sum to nominee on both deaths (~Rs 1.7L for Rs 1K tier; Rs 8.5L for Rs 5K tier).
 +
 +===== How to apply (step-by-step) =====
 +  - **Visit your bank or post office** — Submit APY form + Aadhaar + active savings account.
 +  - **Choose pension tier** — Rs 1K / 2K / 3K / 4K / 5K per month after age 60.
 +  - **Choose contribution mode** — Monthly / quarterly / half-yearly auto-debit.
 +  - **Auto-debit starts** — Contributions deducted automatically from chosen account.
 +  - **Annual statement** — Bank sends statement of contributions + accumulated corpus.
 +
 +===== Documents needed =====
 +  * Aadhaar
 +  * Active savings bank / post office account
 +  * Mobile number
 +
 +===== Timeline =====
 +Auto-debit starts in 30 days. Pension begins on 60th birthday.
 +
 +===== Portal + helpline =====
 +  * **Official portal:** [[https://npscra.nsdl.co.in|npscra.nsdl.co.in]]
 +  * **Helpline:** APY Helpline: 1800-110-708
 +
 +===== Common issues =====
 +  * Insufficient bank balance — auto-debit fails; bank charges Rs 1/day. Maintain balance.
 +  * Income tax payer status — bars new enrolment post September 2022. Existing enrollees can continue.
 +  * Want to exit early — pre-60 exit allowed only on terminal illness / death; otherwise corpus locked till 60.
 +  * Want to upgrade tier — annual upgrade allowed during April-September window.
 +
 +===== Benefit delayed or rejected? File an RTI =====
 +
 +Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
 +
 +<code>
 +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 disbursement / decision.
 +</code>
 +
 +**Auto-fill the PIO + your case:** [[:citizen-rti-playbook|Open the AI RTI Drafter →]]
 +
 +**More schemes for you:** [[:audience:unorganised-workers|All unorganised workers schemes]]
 +
 +===== Frequently asked questions =====
 +==== Is the pension really guaranteed? ====
 +Yes — government guarantees the minimum pension if returns fall short. PFRDA manages funds.
 +
 +==== What if I die before 60? ====
 +Spouse continues contributions till age 60 + receives pension. OR full corpus refunded to nominee.
 +
 +==== Can I increase my pension tier later? ====
 +Yes — once a year (April-September). Contribution adjusts upward.
 +
 +==== Want to exit before 60? ====
 +Allowed only for terminal illness / death of subscriber. Otherwise corpus stays till 60.
 +
 +===== Summary + next step =====
 +
 +<WRAP center round tip 90%>
 +**Bottom line:** Guaranteed pension Rs 1,000 / 2,000 / 3,000 / 4,000 / 5,000 per month after age 60, based on contribution + age at entry. Apply at **npscra.nsdl.co.in**. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
 +
 +  * **Apply now:** [[https://npscra.nsdl.co.in|npscra.nsdl.co.in]]
 +  * **If delayed — RTI Drafter:** [[:citizen-rti-playbook|File RTI in 5 minutes]]
 +  * **Browse all 150 yojanas:** [[:yojana:start|Sarkari Yojana index]]
 +</WRAP>
 +
 +===== Related =====
 +  * [[:yojana:start|All 150 Sarkari Yojanas]]
 +  * [[:check-status:start|25 status-check guides]]
 +  * [[:documents:start|30 documents-required checklists]]
 +  * [[:how-to-apply:start|25 how-to-apply guides]]
 +  * [[:rejection-recovery:start|16 rejection-recovery guides]]
 +  * [[:audience:start|10 audience-hub schemes]]
 +  * [[:helplines:start|32 helplines + grievance routes]]
 +  * [[:citizen-rti-playbook|Full RTI Playbook]]
 +
 +===== Sources =====
 +  * Official portal: npscra.nsdl.co.in
 +  * Issued by: Pension Fund Regulatory & Development Authority (PFRDA)
 +  * Launched: 2015
 +  * Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html|%%AwaazRTI%%]] (composite, identifying details removed)
 +
 +//Last reviewed: 26 April 2026.//
 +
 +{{tag>yojana sarkari-yojana atal-pension-yojana}}