Atal Pension Yojana 2025: The Atal Pension Yojana (APY) 2025 is something you need to know about. Launched on 9 May 2015 by Prime Minister Narendra Modi, this scheme is all about helping everyday people, especially those in the unorganized sector, save for a guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60. Whether you’re a shopkeeper, driver, or maid, this plan ensures you’ve got cash coming in when you’re no longer working. With over 7.65 crore subscribers as of April 2025, it’s a trusted way to plan for your golden years.
Overview: What’s the Atal Pension Yojana?
Atal Pension Yojana is a pension scheme launched by the Government of India on May 9, 2015, under the leadership of Prime Minister Narendra Modi, named after former PM Atal Bihari Vajpayee. It’s run by the Pension Fund Regulatory and Development Authority (PFRDA) and is all about giving workers in the unorganised sector a safety net for retirement.
Contribute a small amount every month while you’re young (or working), and when you turn 60, you get a fixed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000, depending on how much you put in. The government guarantees this pension, meaning even if the scheme’s investments don’t perform as expected, they’ll cover the shortfall to ensure you get your promised amount. If investments do better than planned, you might even get a slightly higher pension. It’s like planting a seed today for a steady income tomorrow.
Who’s Eligible for Atal Pension Yojana in 2025?
- You must be an Indian citizen. Non-Resident Indians (NRIs) can join if they have an Indian bank account, but foreigners are out.
- You need to be between 18 and 40 years old. If you’re 41 or older, you can’t sign up, as the scheme requires at least 20 years of contributions before you hit 60.
- You must have a savings bank account or post office savings account linked to your Aadhaar for auto-debit contributions.
- If you’re covered by statutory schemes like Employees’ Provident Fund (EPF), Coal Mines Provident Fund, or Assam Tea Plantation Provident Fund, you’re not eligible. This is to ensure APY targets those without existing pensions.
- The government co-contribution (50% of your contribution, up to ₹1,000/year) was available from 2015 to 2020 for non-taxpayers who joined before March 31, 2016. In 2025, this isn’t available for new subscribers, but the pension benefits still apply.
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Atal Pension Yojana 2025: Benefits
| Benefit | Details |
| Guaranteed Pension | ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 per month starting at age 60, based on your contributions. |
| Spouse Benefit | If you pass away, your spouse gets the same pension for life. |
| Nominee Benefit | After you and your spouse pass away, your nominee gets the accumulated corpus (up to ₹8.5 lakh for ₹5,000 pension). |
| Tax Benefits | Contributions qualify for deductions under Section 80CCD(1) (up to ₹1.5 lakh) and 80CCD(1B) (extra ₹50,000). |
| Government Guarantee | If investment returns are low, the government covers the shortfall to ensure your minimum pension. |
| Flexible Contributions | Pay monthly, quarterly, or half-yearly via auto-debit from your bank account. |
Atal Pension Yojana- Contribution Chart
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How to Apply For Atal Pension Yojana 2025
The Atal Pension Yojana is super easy, whether you’re tech-savvy or prefer visiting a bank. Here’s how to do it:
Online Application Process
- Visit Your Bank’s Portal: Log in to your internet banking account (e.g., SBI, HDFC, or ICICI) and search for “APY” or “Atal Pension Yojana”.
- Fill the Form: Enter details like your name, Aadhaar number, mobile number, bank account number, and nominee details (spouse is the default nominee if married).
- Agree to auto-debit from your savings account for contributions.
- Review and submit the form. You’ll get a PRAN (Permanent Retirement Account Number) to track your account.
- Track Status: Use your PRAN on npscra.nsdl.co.in to check contributions or download statements.
Offline Application Process
- Go to any bank or post office that offers APY (most nationalized banks and India Post are enrolled).
- Then Ask for the APY Subscriber Registration Form (available as Annexure A on
- To Provide your Aadhaar number, bank details, mobile number, and nominee details.
- To Attach copies of required documents (listed below).
- Then Sign the auto-debit mandate for contributions.
- The bank will issue your PRAN after processing.
Documents Required For Atal Pension Yojana
- Aadhaar Card
- Bank Account Details
- Mobile Number
- Nominee Details
- Photo
FAQs about
Who can join?
Indian citizens aged 18–40 with a savings account, not paying income tax or part of other social security schemes.
How much do I pay?
From ₹42/month (age 18, ₹1,000 pension) to ₹1,454/month (age 40, ₹5,000 pension).
What if I miss payments?
You’ll face penalties (₹1–₹10/month) but can continue contributing.
Can I change my pension amount?
Yes, you can adjust it once a year in April at your bank.
What happens if I pass away?
Your spouse gets the pension; after both pass, the nominee gets the corpus.
