Atal Pension Yojana (APY) 2026: Earn ₹5,000 Monthly Pension Documents, Eligibility & Benefits Explained
📍 Organization: Pension Fund Regulatory and Development Authority (PFRDA)
📅 Application Deadline: Any Time
Imagine reaching the age of 60 and having a guaranteed salary credited to your bank account every month, without working a single day. The Atal Pension Yojana (APY) 2025 aims to deliver exactly that financial security to Indian citizens.
Launched by the Government of India, this ambitious scheme is designed specifically for the unorganized sector—drivers, vendors, and daily wage laborers. With over 7.65 crore citizens already joined and assets managing over ₹45,974 crore, this scheme ensures you don't have to depend on anyone else in your old age.
Scheme Overview & Key Details
| Detail | Information |
|---|---|
| Scheme Name | Atal Pension Yojana (APY) 2025 |
| Launched By | Government of India (PFRDA) |
| Beneficiaries | Unorganized Sector Workers |
| Age Limit | 18 to 40 Years |
| Pension Amount | ₹1,000 to ₹5,000 per Month |
| Application Mode | Online (eNPS) & Offline (Banks/Post Office) |
Pension Slabs & Benefits
The primary benefit of APY is the guaranteed monthly pension starting from the age of 60. Subscribers can choose their payout tier based on their needs:
- Tier 1: ₹1,000 per Month.
- Tier 2: ₹2,000 per Month.
- Tier 3: ₹3,000 per Month.
- Tier 4: ₹4,000 per Month.
- Tier 5: ₹5,000 per Month.
Note: In case of the subscriber's death, the pension goes to the spouse. If both pass away, the accumulated corpus is returned to the nominee.
Contribution Chart (For ₹5,000 Pension)
The amount you need to invest depends entirely on your age. The earlier you join, the less you pay.
| Joining Age | Monthly Contribution | Daily Cost (Approx) |
|---|---|---|
| 18 Years | ₹210 | ₹7 / day |
| 30 Years | ₹577 | ₹19 / day |
| 39 Years | ₹1,318 | ₹44 / day |
Eligibility Criteria & Documents
To apply for the Atal Pension Yojana, you must meet the following simple requirements:
- Citizenship: Must be an Indian Citizen.
- Age: Must be between 18 and 40 years.
- Employment: Should not be a beneficiary of any statutory social security scheme.
- Tax Status: Should not be an income tax payer.
- Documents Required: Aadhaar Card, Active Savings Bank/Post Office Account, and a valid Mobile Number.
How to Apply
You can apply offline by visiting your local bank branch, or apply online via the eNPS portal following these steps:
- Visit the Portal: Click on the official eNPS link below.
- Register: Select "APY Registration" and enter your Aadhaar details.
- Fill Details: Complete the OTP verification and select your Pension Slab.
- Payment: Setup the auto-debit frequency (Monthly, Quarterly, or Half-Yearly).
- Submit: Make the first contribution online to activate your PRAN (Permanent Retirement Account Number).
Important Links
- Apply Online (eNPS): Click Here to Apply on eNPS
- Official Website: Visit PFRDA Official Site
⏰ Valid Through: 2026-02-06 (IST)
🆔 ID: SCH-20251208051252-4512