Atal Pension Yojana 2025: Get Pension Up to ₹5,000/Month – Eligibility, Benefits & How to Apply

Atal Pension Yojana (APY) is a Government of India scheme launched for unorganized sector workers to provide a fixed monthly pension between ₹1,000 to ₹5,000 after the age of 60.

Objectives of Atal Pension Yojana

• Provide social security to workers in unorganized sectors
• Encourage long-term savings for retirement
• Ensure financial independence in old age

Eligibility Criteria

• Indian citizen aged 18 to 40 years
• Should have a valid bank account
• Must not be a member of any statutory social security scheme

Monthly Contribution (Age-Wise)

Contribution depends on your entry age and desired pension amount:

• At 18 years: ₹42 to ₹210/month
• At 30 years: ₹126 to ₹376/month
• At 40 years: ₹291 to ₹1,454/month

Pension Amount Options

• ₹1,000/month
• ₹2,000/month
• ₹3,000/month
• ₹4,000/month
• ₹5,000/month

Documents Required

• Aadhaar Card
• Mobile Number
• Bank Passbook
• Age proof (if required)

How to Apply for Atal Pension Yojana

1. Visit your bank branch (any nationalized or private bank)
2. Fill out the APY registration form
3. Submit with KYC documents
4. Auto-debit of monthly contribution will begin from your bank account

Benefits of APY

• Fixed monthly pension after 60 years
• Government co-contribution (for eligible subscribers)
• Secure and guaranteed pension plan

Tax Benefits

Contributions under APY qualify for tax deduction under Section 80CCD(1B) of the Income Tax Act.

What Happens After Subscriber's Death?

• Spouse can continue to receive pension
• On spouse’s death, nominee gets accumulated amount

APY Helpline

• NSDL Helpline: 022-2499 3499
• Email: info@nsdl.co.in
• Website: https://www.npscra.nsdl.co.in

Download APY Form

📥 Download APY Registration Form

Conclusion

Atal Pension Yojana is a powerful initiative for workers with low income to build a secured retirement life. Start saving small today to earn a regular pension in your golden years.