Central Government started Atal Pension Yojana in 2015 for unorganised workers so that they get a fixed monthly pension in old age. From 1 October 2025, new subscriber registration will be accepted only on the revised APY form issued in line with PFRDA guidelines. Old forms used till 30 September 2025 are no longer valid.
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. Post offices and banks have been told to display the new rules and take applications only on the updated form with FATCA/CRS declaration.
Elderly people above 60 years of age can see APY Subscribers Contribution Chart, Statement and use APY Calculator to review their pension amount. Interested candidates can fill Atal Pension Yojana Online Form at enps.nsdl.com
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.
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.
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 online subscriber application and fill Atal Pension Yojana form online:-
STEP 1: Firstly visit the official website https://enps.nps-proteantech.in/eNPS/ApySubRegistration.html
STEP 2: On the homepage, click “Registration” button under the “Atal Pension Yojana” or directly click this link to open the Atal Pension Yojana Online Subscriber Registration Form as shown below:
STEP 3: Here enter your Aadhaar Number and generate OTP on your registered mobile number. After entering OTP, click “Continue” button.
STEP 4: Now provide personal details, family details and generate acknowledgement number. After acknowledgement Id is generated, enter bank / branch details & account number for bank verification.
STEP 5: Next fill the pension amount, contribution frequency, nominee and upload the supporting documents and make payment to complete the atal pension yojana online registration process.
If the registration process is successful, then bank will debit your account for 1st subscription and will generate Permanent Retirement Account Number (PRAN).
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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.
APY New Subscriber Registration Form PDF 2025:
APY Subscriber Registration Form for Swavalamban Yojana Subscribers: https://npscra.nsdl.co.in/nsdl/forms/APY_Subscriber_Registration_Form_Swavalamban_Yojana_Subscribers.pdf
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 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 safeguard their future through filling 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 APY statement using the link – Click Here.
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 |
Note: As per the broader fee update effective 1 October, APY and NPS-Lite PRAN opening and maintenance were notified at Rs 15 each in some contexts. Banks/post offices will follow the active circular for APY operations; the table above reflects the APY-specific charge list you provided (taxes extra).
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 pension choice, nominee, and contribution frequency. After approval and first debit, you will get PRAN by SMS/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 strongly since launch in 2015 with crores of enrollments across banks and post offices. The scheme is administered by PFRDA under the NPS architecture and gives pension to the spouse after the subscriber’s death, and returns the accumulated pension wealth to nominee after both pass away.
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.
Note: New enrollments are not allowed for income tax payers on or after 1 October 2022, so tax benefit is not relevant for such persons joining after this date. 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.
Contact & Helpline
For Aadhaar linking, grievance and other support, visit npscra.nsdl.co.in
Toll free helpline: 1800 110 069