Atal Pension Yojna0
केंद्र की योजनाएंSocial welfare & Empowerment

Atal Pension Yojana: Eligibility, APY Contribution Chart & Benefits (Complete Guide)

In order to give the nation’s unorganised sector a reliable source of income, the Indian government introduced the Atal Pension Yojana in 2015. The Pension Fund Regulation and Development Authority oversees the administration of this Atal Bihari Vajpayee-inspired programme (PFRDA). The subscribers of the Atal Pension Yojana 2023 get a pension depending on their contributions to the plan during their working years. The pension plan provides a guaranteed income of up to ₹5,000 a month after the age of 60 and is open to those between the ages of 18 and 40. This page will cover the characteristics of the Atal Pension Yojana, how to apply for the programme, beneficiary lists, the program’s chart, its advantages, contact information, key websites, and commonly asked questions.

Atal Pension Yojana (APY): Overview

Here’s an overview of the Atal Pension Yojana (APY Scheme) 2023:

Aspect Details
Purpose To provide a defined pension to the unorganized sector
Eligibility Indian citizens aged 18 to 40 years
Contribution amount Varies based on age at the time of enrollment
Minimum contribution ₹42 per month
Maximum contribution ₹1,454 per month
Pension amount Ranges from ₹1,000 to ₹5,000 per month based on contribution amount and duration
Enrollment methods Online and offline
Required documents Aadhaar and bank account details
Tax benefits Eligible for tax benefits under Section 80CCD of the Income Tax Act
Exit policy Only in the event of death or terminal illness before age 60
Beneficiary list Maintained by PFRDA

What is Atal Pension Yojana 2023?

A government-sponsored pension programme called Atal Pension Yojana 2023 seeks to give financial stability to India’s unorganised sector. The programme was introduced in May 2015 and is named after Atal Bihari Vajpayee, a former Indian prime minister. 

The programme is run by the Pension Fund Regulatory and Development Authority (PFRDA), and it is open to those between the ages of 18 and 40. The programme is a guaranteed pension plan with the goal of giving participants a steady income as they age.

Atal Pension Yojana’s significance cannot be emphasised. Almost 80% of the workers in India is employed in the vast unorganised sector. The unorganised sector does not have access to pension plans or other forms of social security, making them susceptible to financial instability as they age. 

By offering the unorganised sector a straightforward and easily understandable pension plan, the Atal Pension Yojana 2023 seeks to alleviate this problem. The programme is a viable choice for anyone looking for financial stability in their senior years because it is inexpensive and provides guaranteed pension benefits.

Features of APY Scheme 2023 for Old Age Citizens

  • Who can apply:

Anyone between the ages of 18 and 40 is eligible to enrol on the programme.

  • Contribution amount and method of payment: 

The contribution amount changes according to the subscriber’s age and the desired pension amount. Payment options include monthly, quarterly, and semi-annually.

  • Pension benefits: 

Beyond 60 years of age, the plan gives a guaranteed pension of up to ₹5,000 per month. The Atal Pension Yojana 2023 amount fluctuates according to the subscriber’s age and the amount of contribution paid.

  • Benefits for death and disability: 
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The plan provides benefits to the nominee in the event of the subscriber’s passing and benefits for disability in the event of an unfortunate circumstance.

  • Contribution and exit flexibility: 

Members have the option to change their contribution amount and withdraw from the plan before turning 60.

The Atal Pension Yojana 2023 is an important programme that provides the unorganised sector of India with a straightforward and approachable pension choice. Due to the advantages of the programme, it is a desirable choice for those looking to secure their financial future in old age. The specifics of the programme, how to apply for it, its advantages, and more will all be covered in this post.

Eligibility Criteria for To Apply for Atal Pension Yojana

In order to provide social security to India’s unorganised sector, the government sponsors the Atal Pension Yojana pension programme. The following qualifications must be fulfilled in order to be eligible to apply for the Atal Pension Yojana:

  • The applicant’s age must fall between 18 and 40 in order to be eligible to apply. As the monthly payment amount would be lower, the earlier you join the programme, the better it is for you.
  • For the purpose of receiving pension benefits, the applicant must have an associated bank account with their Aadhar card.

APY Scheme Amount & Method of Contribution

Depending on the applicant’s age and the desired pension amount, different amounts are contributed to the Atal Pension Yojana 2023. The contribution amount is as follows for various age groups:

  • Above the age of 18 is ₹42, or ₹500 annually.
  • For subscribers, 25 years of age and over is ₹76, or ₹904 annually.
  • Members under the age of 30 are ₹116, or ₹1,387 annually.
  • Subscribers 35 years of age and over are ₹181, or ₹2,165 annually.
  • For subscribers over 40 years old is ₹291, or ₹3,481 annually.

The subscriber can select a payment frequency that is most convenient for them, whether it be monthly, quarterly, or biannually.

Pension Advantages for APY Scheme Beneficiary

The Atal Pension Yojana 2023 provides guaranteed pension payouts that vary according to the subscriber’s age and contribution level. From ₹1,000 to ₹5,000 might be included in the monthly pension amount. According to various contribution slabs, the following pension amount is available:

  • If you want a monthly pension of ₹1,000 then you need to deposit ₹42 monthly
  • The subscribers who want to get a monthly pension of ₹5,000 need to deposit ₹210 per month.

As soon as the subscriber turns 60 years old, the APY Scheme pension benefits become due. The pension amount may be paid to the nominee in the event of the subscriber’s passing, and the subscriber may receive a disability pension in the event of disability. 

When an APY Scheme subscriber passes away, the plan also provides a refund of the accumulated corpus to the nominee. Those without access to another pension plan can make use of the Atal Pension Yojana 2023, a straightforward and approachable pension plan.

Apply for Atal Pension Yojana (APY) 2023: Online/Offline

The process of applying for the Atal Pension Yojana is easy and straightforward. You have the option of applying for the programme offline or online.

APY Scheme Online Apply

Follow these easy steps to submit an online Atal Pension Yojana Application 2023:

  • Atal Pension Yojana’s official website can be found at
  • On the website, select the “APY e-Enrollment” link.
  • Provide all necessary information, including your name, birth date, gender, Aadhaar number, and bank account information.
  • Choose the frequency and amount of your desired pension contributions.
  • Your scanned Aadhaar card should be uploaded.
  • Examine the application, then send it.

APY Scheme Apply Offline

Follow these easy steps to submit an offline Atal Pension Yojana registration form:

  • Visit the post office or bank closest to you.
  • Request an application for the Atal Pension Yojana.
  • Provide all necessary information, including your name, birth date, gender, Aadhaar number, and bank account information.
  • Choose the frequency and amount of your desired pension contributions.
  • Send the application form and the necessary paperwork.

Required Documents to Apply for APY Scheme 2023

For applying for the Atal Pension Yojana 2023, the following documents are needed:

  • Aadhar card: In order to apply for the programme, you must already have an Aadhaar card.
  • Information about the bank account: The bank account and the Aadhaar card must be connected.
  • Age verification: You can provide age verification by submitting a copy of any government-issued document, such as a PAN card, passport, or birth certificate.
  • Information about the nominee: Throughout the application procedure, the nominee’s information must be submitted.
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The bank or post office will check the information you provided on the APY Scheme application form and in the APY Scheme necessary documentation before enrolling you in the programme. After you reach the age of 60, the first payment will be taken out of your checking or savings account, and you will begin receiving Atal Pension Yojana pension payments.

Check Atal Pension Yojana Chart (New – Updated)

The Atal Pension Yojana chart lists the age-based pension and contribution amounts that a person is entitled to under the programme. Based on the monthly contribution amount, which ranges from ₹1000 to ₹5000, the plan offers five different pension slabs.

APY Pension and Contribution Chart by Age

The age-based contribution and pension chart for the Atal Pension Yojana is shown in the table below:

Age at Entry Years of Contribution Monthly Contribution Guaranteed Minimum Monthly Pension
18 42 ₹42 ₹1000
19 41 ₹46 ₹1000
20 40 ₹50 ₹1000
25 35 ₹76 ₹1000
30 30 ₹116 ₹1000
35 25 ₹₹181 ₹1000

Benefits of Contribution to APY Scheme at Early Age

There are various advantages to starting your Atal Pension Yojana contributions early. The lower the contribution amount and better the pension benefits are for participants who join the plan early. Early contributions can help people safeguard their financial security after retirement. 

  • For Example:

If a person begins making contributions to the plan at the age of 18 and does so for 42 years at a rate of 42 rupees per month, the total corpus at the age of 60 will be 8.5 lakhs rupees. As a result, they will get a 5,000 rupee pension each month for the remainder of their lives. To ensure financial stability throughout one’s elderly years, early APY Scheme contributions to the plan might be quite beneficial.

Check Beneficiary List of Atal Pension Yojana 2023

The Atal Pension Yojana programme has been effective in giving people who work in the unorganised sector a guaranteed pension. Since the program’s debut in 2015, a sizable number of beneficiaries have been able to take use of it. 

The recipient list under the Atal Pension Yojana includes the information below:

  • List of Atal Pension Yojana Beneficiaries:

According to the most recent data, there are now more than 3 crore beneficiaries registered in the Atal Pension Yojana. Beneficiaries in various age groups around the nation have been able to use the programme. The majority of the recipients are from West Bengal, Bihar, and Uttar Pradesh.

Beneficiary List ⇒

Advantages of APY Scheme Beneficiary (Status)

The participants of the Atal Pension Yojana plan receive a wide range of advantages. Some of the main advantages include:

  • Guaranteed Pension: 

The programme offers retirees in the unorganised sector a guaranteed income once they reach retirement age, assuring their financial security in their later years.

  • Inexpensive Contribution: 

The scheme’s contribution level is reasonable and determined by the participant’s age, making it available to persons from all income ranges.

  • Nomination Facility: 

The plan offers beneficiaries the option to name a nominee who would receive the accrued corpus in the event of their untimely passing.

  • Advantages to Taxpayers: 

Under Section 80CCD of the Income Tax Act, payments paid to the Atal Pension Yojana are eligible for tax deductions, which helps the program’s beneficiaries in terms of taxes.

The Atal Pension Yojana 2023 has become a crucial programme for India’s unorganised sector. Millions of people have benefited from the programme, which has given them retirement financial stability.

Helpline No/Contact Details for Atal Pension Yojana (APY)

APY Scheme Beneficiaries can get in touch with the following channels if they have questions regarding the programme:

Telephone Number:

For any questions or help, programme beneficiaries or potential beneficiaries should call the Atal Pension Yojana toll-free hotline.

  • Contact Information: 1800 110 069.

Email assistance:

Beneficiaries may also email the Atal Pension Yojana with questions, suggestions, or requests for assistance. This is the email address:

  • Email address:

For Further Help:

In order to aid and support the beneficiaries, the PFRDA has opened offices around the nation. To learn more about the programme, recipients should go to the PFRDA office that is closest to them. In addition, the Atal Pension Yojana website ( offers comprehensive details about the programme, including the benefits, eligibility requirements, and application procedure.

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The Atal Pension Yojana contact information ensures that the beneficiaries of the programme have easy access to information and support. The PFRDA offices, toll-free hotline, and email help make sure that the beneficiaries receive prompt assistance and may address any issues they might have.

Important Links for Atal Pension Yojana (APY) 2023

A safe pension for the unorganised sector is the goal of the Atal Pension Yojana, a social security programme started by the Indian government. The following crucial links are available to recipients who want to apply for the programme or learn more about it:

Atal Pension Yojana’s official website:

The major source of information for the plan is the Atal Pension Yojana’s official website. It offers comprehensive facts on the programme, including the advantages, prerequisites, application procedure, and other crucial information. Atal Pension Yojana-related news and information are routinely updated on the website.


Download Printable Forms

The appropriate application form must be filled out by beneficiaries in order to apply for the Atal Pension Yojana. Downloadable Atal Pension Yojana forms are available on the official website. You may download, print, and complete these forms by following the supplied instructions.


Regulation and Development of Pension Funds Authority:

The regulatory organisation in charge of overseeing the administration of the Atal Pension Yojana is the Pension Fund Regulatory and Development Authority (PFRDA). The PFRDA website offers information on the scheme’s legal foundation and other pertinent specifics.


The beneficiaries of the Atal Pension Yojana have simple access to information and application forms thanks to the crucial linkages given by the programme. The APY Scheme application procedure is made simpler by the APY Scheme downloaded forms, while the official website offers all the information you need about the programme. Also, the PFRDA website offers details regarding the plan’s regulatory structure, which is useful for beneficiaries who wish to learn more about how the scheme operates.

FAQs Related Atal Pension Yojana (APY-2023)

Check out these below provided frequently asked questions and their answers for this central government Atal Pension Yojana 2023:

Atal Pension Yojana: What is it?

A defined pension is intended to be provided to the unorganised sector through the government-initiated Atal Pension Yojana (APY), a social security programme. The Pension Fund Regulation and Development Authority is in charge of running the programme (PFRDA).

For whom is the Atal Pension Yojana available?

Atal Pension Yojana enrollment is open to all Indian citizens between the ages of 18 and 40.

What is the minimum amount I must pay into the Atal Pension Yojana?

Depending on the subscriber’s age at the time of enrolment, the contribution amount varies. The monthly minimum payment is ₹42, while the monthly maximum contribution is ₹1,454.

How do I submit an Atal Pension Yojana application?

Both online and offline applications are accepted for the Atal Pension Yojana by beneficiaries. To sign up for the programme, they must enter their Aadhaar and bank account information.

What advantages does the Atal Pension Yojana offer?

Once they turn 60, participants in the plan get a guaranteed monthly pension. Depending on the amount and length of the contributions, the monthly pension might range from ₹1,000 to ₹5,000.

Can I withdraw from the Atal Pension Yojana before I turn 60?

Only in the case of a subscriber’s death or a terminal illness are they permitted to leave the plan before the age of 60.

How can I find out how my Atal Pension Yojana account is doing?

By checking into their accounts on the official website or by getting in touch with their bank, beneficiaries may verify the status of their Atal Pension Yojana accounts.

What are the Atal Pension Yojana’s tax advantages?

Under Section 80CCD of the Income Tax Act, contributions paid to the Atal Pension Yojana are eligible for tax breaks.

Can I contribute more to the Atal Pension Yojana?

Yes, recipients may raise their Atal Pension Yojana contributions to improve the size of their pension.

What will happen after changing my bank account or Aadhar in APY?

To keep their Atal Pension Yojana account operational, beneficiaries must notify the PFRDA of any changes to their bank account and Aadhaar information. If you don’t, the account risk being closed or frozen.