Atal Pension Yojana 2026: Eligibility, Benefits & How to Apply
Atal Pension Yojana (अटल पेंशन योजना) — ₹1,000–₹5,000 monthly pension from 60 · Bank account holders aged 18–40, not income-tax payers
₹1,000–₹5,000 monthly pension from 60 — Bank account holders aged 18–40, not income-tax payers
Source: myscheme.gov.in · checked 21 Oct 2026
Atal Pension Yojana quick answers
Benefit
- Guaranteed minimum pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 a month from age 60, until death.
- After the subscriber's death, the spouse gets the same pension until death.
- After both die, the nominee gets the pension wealth accumulated till the subscriber's age 60.
Source: myscheme.gov.in ↗ · 21 Oct 2026
Atal Pension Yojana official links
Latest official updates
- APY gross enrolments passed 9 crore on 21 April 2026; FY 2025-26 saw over 1.35 crore new enrolments, the highest in any year.pib.gov.in ↗
- Union Cabinet approved continuation of APY up to FY 2030-31, with funding for promotion and gap funding.pib.gov.in ↗
Am I eligible for Atal Pension Yojana?
Source: myscheme.gov.in ↗ · 21 Oct 2026
How to apply
Steps
- One can also open an APY account online using one's Net banking facility.
- The applicant can login into his/her internet banking account and search for APY on dashboard.
- Customer has to fill basic and Nominee details.
- Customer has to give consent for auto debit of premium from the account and submit the form.
- Visit website “https://enps.nsdl.com/eNPS/NationalPensionSystem.html “ and select “Atal Pension Yojana”.
- Fill the basic details in the form. One can complete KYC through 3 options –
- Offline KYC – Where one has to upload XML file of Aadhaar
- Aadhaar – Where KYC is done through OTP verification on Mobile Number register with Aadhaar
Documents
- KYC details are fetched from active Bank/Post Office Savings account.
Source: myscheme.gov.in ↗ · 21 Oct 2026
Atal Pension Yojana: questions people ask
When will I receive my Pension?
Age Of Start Of Pension is 60 Years.
Is it required to furnish nomination while joining the scheme?
Yes.
What will happen if the contribution gets delayed?
Subscriber will be charged overdue interest for the delayed period in case the APY contribution gets delayed beyond the due date.
How will I know the status of my contribution?
The periodical information to the subscribers regarding activation of PRAN, balance in the account, contribution credits etc. will be intimated to APY subscribers by way of SMS alerts on the registered mobile number or can be accessed through mobile/APY app launched by NSDL. The subscriber will also be receiving physical statement of account once in a financial year at their registered address.
Can I open APY Account without savings bank account?
No, the savings bank account/ post office savings bank account is mandatory for joining APY.
Source: myscheme.gov.in ↗
What changed on this page
· APY gross enrolments passed 9 crore on 21 April 2026; FY 2025-26 saw over 1.35 crore new enrolments, the highest in any year.
· Union Cabinet approved continuation of APY up to FY 2030-31, with funding for promotion and gap funding.
· Facts checked against the official sources on 21 Oct 2026.
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