Atal Pension Yojana 2026: Eligibility, Benefits & How to Apply
A guaranteed monthly pension of ₹1,000 to ₹5,000 from age 60, mainly for workers in the unorganised sector.
Benefit
A guaranteed pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 a month from age 60, depending on your contributions. The same pension continues to your spouse, and the corpus goes to the nominee.
Who is eligible
- Indian citizens aged 18 to 40 with a savings bank account.
- Contributions continue until age 60 (minimum 20 years).
Who is not eligible
- People older than 40.
- Income-tax payers are not eligible to join (since October 2022).
Documents you need
- Savings bank account
- Aadhaar
- Mobile number
How to apply
- Enrol at your bank branch or through net banking/mobile banking.
- Choose your pension amount; the monthly contribution depends on your age at joining and is auto-debited.
Official website: jansuraksha.gov.in. Contribution charts by age and pension amount are available from your bank and PFRDA.
Administered by the Ministry of Finance (administered by PFRDA). You can also search all central and state schemes on the government's myScheme portal.
Frequently Asked Questions
What is the age limit for Atal Pension Yojana?
18 to 40 years at the time of joining.
How much pension does APY give?
A guaranteed ₹1,000 to ₹5,000 a month from age 60, depending on your contributions.
Can income tax payers join APY?
No. Income-tax payers are not eligible to join APY since October 2022.
Find other schemes you may qualify for
Answer a few questions in our government schemes eligibility finder.