Central Government started Atal Pension Yojana in 2015 for unorganised workers so that they get a fixed monthly pension in old age. As of April 21, 2026, APY has crossed 9 crore total gross enrollments, making FY 2025-26 the highest-ever year for new additions with over 1.35 crore new subscribers joining in a single financial year.
APY gives a guaranteed minimum pension of Rs 1,000 to Rs 5,000 per month after the subscriber turns 60 years. Pension amount depends on age of joining and regular monthly contribution. From 1 October 2025, new subscriber registration is accepted only on the revised APY form issued in line with PFRDA guidelines. Post offices and banks have been told to display the new rules and take applications only on the updated form with FATCA/CRS declaration.
Interested candidates can fill Atal Pension Yojana Online Form at enps.nps-proteantech.in. Existing subscribers can see the APY Subscribers Contribution Chart, Statement and use the APY Calculator to check their pension amount.
What is Atal Pension Yojana?
Atal Pension Yojana (APY) is a government scheme that gives a fixed monthly pension after 60 years to Indian citizens in the age group 18 to 40 who join and pay contributions regularly. To join, a person needs a savings bank or post office account. The scheme is part of India's Jan Suraksha Yojana framework, focused on bringing financial security to the poor and workers in the unorganised sector.
Important eligibility from 1 October 2022: New applicants who are, or have been, income tax payers on or after 1 October 2022 are not eligible to join APY. If anyone joins on or after this date and it is later found that the person was an income tax payer before the application date, the APY account will be closed and the subscriber will get back the accumulated amount in the account till the date of closure.
All post offices and banks must use the new APY Subscriber Registration Form from 1 October 2025. The updated form includes a mandatory FATCA/CRS declaration for tax residency, which helps confirm eligibility and allows only resident Indian citizens to open APY accounts through post offices.
APY Crosses 9 Crore Subscribers in 2026
Atal Pension Yojana reached a big milestone on April 21, 2026 by crossing 9 crore total gross enrollments. According to the Ministry of Finance, FY 2025-26 saw over 1.35 crore new subscribers joining the scheme, which is the highest-ever addition in a single financial year since the scheme started in 2015. This strong growth is due to rising financial awareness in rural and semi-urban India, coordinated outreach by banks (PSBs, RRBs, private banks, small finance banks), and the Department of Posts working actively across states and districts.
PFRDA describes APY as a 'Sampurna Suraksha Kavach' (Complete Security Shield) because it gives a guaranteed monthly pension to the subscriber, pension for the spouse on the subscriber's death, and returns the entire corpus to the nominee after both pass away.
Rs. 10,000 Monthly to Married Couples with Atal Pension Yojana
Atal Pension Yojana can help a husband and wife plan a combined pension of around Rs 10,000 per month by keeping two separate APY accounts and paying as per the chart.
The scheme is open to Indian citizens aged 18 to 40 with a bank or post office account. After turning 60, the fixed monthly pension starts. Aadhaar and mobile number should be linked for alerts and statements.
Depending on the chosen pension slab, a subscriber can opt for Rs 1,000, Rs 2,000, Rs 3,000, Rs 4,000 or Rs 5,000 pension. For example, to get Rs 5,000 monthly pension, a person joining at age 18 needs to contribute Rs 210 per month (as per the chart).
How to Earn a Rs. 10,000 Per Month Pension
A couple below 30 years can open two APY accounts (one each). If both choose the Rs 5,000 pension slab and pay the required contribution (for example, Rs 577 per month each in some age cases as per chart), they can target a combined Rs 10,000 pension after 60. Tax deduction under section 80CCD may apply as per law; however, note that new joiners who are income tax payers are not eligible to join APY from 1 October 2022.
Atal Pension Yojana Apply Online
Below is the complete procedure to apply online and fill the Atal Pension Yojana form:
STEP 1 - Visit the official website at https://enps.nps-proteantech.in/eNPS/ApySubRegistration.html
STEP 2 - On the homepage, click the "Registration" button under the "Atal Pension Yojana" section to open the APY Online Subscriber Registration Form as shown below:
STEP 3 - Enter your Aadhaar Number and generate OTP on your registered mobile number. After entering the OTP, click the "Continue" button.
STEP 4 - Provide personal details, family details and generate an acknowledgement number. After the acknowledgement ID is generated, enter bank or branch details and account number for bank verification.
STEP 5 - Fill in the pension amount, contribution frequency, nominee details and upload the supporting documents. Make the payment to complete the APY online registration. If the registration is successful, the bank will debit your account for the first subscription and generate your Permanent Retirement Account Number (PRAN).
MP Kalyani Pension Yojana Form
APY Subscriber Application Form PDF
You can also apply through any bank or post office by submitting the physical application. Only the revised APY form (effective 1 October 2025) will be accepted. The updated form includes a FATCA/CRS declaration to confirm tax residency and keep data correct. You can download the latest form using the link below or get it directly from your nearest bank branch or post office.
APY New Subscriber Registration Form PDF:
APY Subscriber Registration Form for Swavalamban Yojana Subscribers: https://npscra.nsdl.co.in/nsdl/forms/APYSubscriberRegistrationFormSwavalambanYojanaSubscribers.pdf
Also check: Atal Pension Yojana Subscriber Registration Form (NEW 2026)
Eligibility Criteria for Atal Pension Yojana
To join APY, you must be an Indian citizen aged 18 to 40 years, have a savings bank or post office account, and must not be an income tax payer on or after 1 October 2022. If later it is found that you were an income tax payer before applying, your APY account will be closed and you will get back the accumulated amount.
You can choose any pension slab from Rs 1,000 to Rs 5,000 and pay monthly as per the chart. You can also increase or decrease the chosen pension once in a year using the official process.
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Atal Pension Yojana Chart / Contribution Calculator
People can see the subscriber contribution chart to know the minimum guaranteed pension per month as per age of entry. For monthly pension of Rs 1,000, Rs 2,000, Rs 3,000, Rs 4,000 and Rs 5,000, see the chart and calculator using the link below:
Download PDF of Atal Pension Yojana Chart
People can enter APY at any age between 18 to 40 years and secure their future by filling the Atal Pension Yojana Online Form.
Atal Pension Yojana Transaction Statement View (e-PRAN)
Subscribers can view their e-PRAN or statement of transactions online. The service helps track contributions and status. Subscribers having PRAN can enter their Bank Account number; without PRAN they can enter Name and Date of Birth to view the APY statement at npscra.nsdl.co.in.
APY Charges from October 2025
PFRDA has revised CRA charges. Below are the account-related charges for APY (taxes extra):
| Sr. No. | CRA Charges | Amount (₹) |
|---|---|---|
| 1 | Account Opening Charges | 15.00 |
| 2 | Annual Maintenance Charges | 20.00 |
| 3 | Downgrade/Upgrade Charges | 25.00 |
| 4 | Transaction Charges | NIL |
Penalty on Delayed Contributions
For non-payment or delayed payment, the following overdue charges apply (taxes extra):
| Sr. No. | Contribution per month | Penalty (₹) |
|---|---|---|
| 1 | Up to ₹100 | 1.00 |
| 2 | ₹101 to ₹500 | 2.00 |
| 3 | ₹501 to ₹1000 | 5.00 |
| 4 | ₹1001 and above | 10.00 |
Non-payment actions: after 6 months account is frozen, after 12 months account is deactivated, and after 24 months account is closed. Bank can recover due contributions any time during the month whenever balance is available.
Atal Pension Yojana Registration at Banks
Visit your bank or post office branch with the new APY form, Aadhaar, passbook, and mobile number. Fill in your pension choice, nominee, and contribution frequency. After approval and first debit, you will get PRAN by SMS or print.
Once your application is approved, you will receive a confirmation SMS on your registered mobile number.
Progress of Atal Pension Yojana
APY has grown very strongly since launch in 2015. As of April 21, 2026, total gross enrollments have crossed 9 crore, with FY 2025-26 seeing 1.35 crore new subscribers, the highest ever in a single year. The scheme is administered by PFRDA under the NPS architecture. Growth has been supported by banks, state-level banking committees, and the Department of Posts running multilingual awareness campaigns across all states and districts.
Pension Funds Managing APY
APY is presently managed by 3 Pension Funds: SBI Pension Fund, LIC Pension Fund, UTI Pension Fund Limited. NPS Swavalamban is managed by 4 Pension Funds: SBI, LIC, UTI, and Kotak Pension Fund.
Tax Benefits of Atal Pension Yojana
Contributions may be eligible for deduction under section 80CCD of the Income Tax Act, 1961, subject to rules. New enrollments are not allowed for income tax payers on or after 1 October 2022, so this tax benefit is not relevant for such persons. Tax rules can change; please check current provisions before investing.
Exiting the Scheme
You can exit as per APY/NPS exit rules. In special cases like death or specified illness under PFRDA (Exit and Withdrawals) Regulations, payout is made to spouse/nominee as applicable. APY does not allow partial withdrawals except in serious health emergencies or for voluntary exit in certain situations.
Contact & Helpline
For Aadhaar linking, grievance and other support, visit npscra.nsdl.co.in
Toll free helpline: 1800 110 069