Atal Pension Yojana
Government of India
Overview
Atal Pension Yojana is a central guaranteed pension scheme for unorganised-sector workers. Regular small contributions during working years secure a guaranteed pension of Rs 1,000 to Rs 5,000 a month after 60 — the amount depends on the contribution level.
After the subscriber's death the spouse receives the same pension, and after both, the corpus is returned to the nominee. For a limited period the government co-contributes 50% of the annual contribution or Rs 1,000 a year (whichever is lower) for eligible subscribers. Tax benefits (e.g. Section 80CCD) apply.
You must join between 18 and 40. Fill in the form at the bank or post office where you hold a savings account and set up a monthly auto-debit.
At a glance
- Administering authority
- Government of India
- Scheme type
- Senior Citizens, Social Security
- Place of posting / area
- All India
- Application mode
- Offline
- Important dates
- Applications accepted year-round
Benefits
- Guaranteed pension of Rs 1,000, 2,000, 3,000, 4,000 or 5,000 a month after 60 (by contribution level)
- Government co-contribution for eligible subscribers of 50% of the annual contribution or Rs 1,000 a year (whichever is lower) for a limited period
- The same pension to the spouse after the subscriber's death
- Corpus returned to the nominee after both
- Tax benefits (e.g. Section 80CCD)
Eligibility
- Aged 18 to 40 at joining
- An active bank or post office savings account for auto-debit
- Able to contribute regularly until 60
- Income-tax payers and members of statutory social security schemes do not get the government co-contribution
Required documents
- Aadhaar and mobile number (recommended)
- Bank or post office savings account
How to apply
- Go to the bank or post office where you hold a savings account
- Fill in the form with your name, age, account, nominee and chosen pension amount
- Submit it and authorise monthly auto-debit
Last updated: 1 Nov 2026
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