Atal Pension Yojana: Pension Amount, Age and Contribution
Atal Pension Yojana gives a guaranteed monthly pension of Rs 1,000 to Rs 5,000 from age 60. You join between 18 and 40 through your bank or post office. Income taxpayers cannot join since October 2022.
- Pension
- Rs 1,000 to Rs 5,000 a month from age 60
- Age limit
- 18 to 40 years
- Who cannot join
- Current or former income taxpayers (from 1 Oct 2022)
- Regulator
- PFRDA
- Enrolments
- Over 9 crore gross (April 2026, as reported)
- Continued till
- FY 2030-31 (Cabinet, January 2026, as reported)
Atal Pension Yojana (अटल पेंशन योजना, APY) is a pension scheme for ordinary workers, mainly in the unorganised sector. You pay a small amount every month from your savings account, and from age 60 you get a fixed monthly pension. The scheme was launched on 9 May 2015 and is administered by the Pension Fund Regulatory and Development Authority (PFRDA), as reported by IANS.
If you are asking atal pension yojana kya hai: it is a guaranteed pension of Rs 1,000, 2,000, 3,000, 4,000 or 5,000 a month, depending on how much you pay and at what age you join. As reported by Business Today, the Union Cabinet approved continuing APY up to FY 2030-31 on 21 January 2026.
Atal Pension Yojana eligibility and age limit
- Indian citizen aged 18 to 40 (Assam Labour Department APY page).
- Must have a savings bank or post office savings account, and a mobile number.
- Taxpayer exclusion: from 1 October 2022, any citizen who is or has been an income tax payer cannot join, as reported by Business Today (Finance Ministry notification, August 2022). If such a person joined on or after 1 October 2022, the account is closed and the money saved is returned. People who joined before 1 October 2022 are not affected.
Benefits
- Guaranteed pension of Rs 1,000 to Rs 5,000 a month from age 60, based on your contribution (Assam Labour Department).
- Spouse pension: after the subscriber dies, the spouse gets the same pension (IANS; Assam Finance APY brochure).
- Nominee: after both die, the corpus built up to age 60 goes to the nominee.
- Change your pension amount: you can upgrade or downgrade the pension once per financial year, as per a PFRDA circular of 3 July 2020.
Exit before 60 is not allowed except in exceptional cases such as death or terminal illness, according to an older, undated Assam Finance brochure. Rules may have changed, so check with your bank.
हिंदी में सारांश
अटल पेंशन योजना (APY) में 60 साल की उम्र से हर महीने 1,000 से 5,000 रुपये तक की गारंटीड पेंशन मिलती है। 18 से 40 साल का भारतीय नागरिक, जिसके पास बैंक या डाकघर बचत खाता और मोबाइल नंबर हो, इसमें जुड़ सकता है। 1 अक्टूबर 2022 से वर्तमान या पूर्व आयकरदाता इसमें शामिल नहीं हो सकते। अंशदान उम्र और पेंशन राशि पर निर्भर है, जैसे 18 साल में जुड़ने पर 1,000 रुपये पेंशन के लिए 42 रुपये महीना और 40 साल में 5,000 रुपये पेंशन के लिए 1,454 रुपये महीना। सदस्य की मृत्यु के बाद जीवनसाथी को वही पेंशन मिलती है और दोनों के बाद नामित व्यक्ति को जमा राशि मिलती है। स्टेटमेंट CRA साइट या APY and NPS Lite ऐप पर देखा जा सकता है। समाचारों के अनुसार योजना 2030-31 तक जारी रहेगी।
Atal Pension Yojana chart: monthly contribution
The table below shows the indicative monthly contribution you pay until age 60, by joining age and chosen pension. It is taken from Assam government copies of the PFRDA chart (Assam Labour Department page; the age 40 row is from the Assam Finance APY brochure). We could not see the PFRDA original page, so confirm the exact amount at your bank.
| Joining age | Years of paying | Rs 1,000 pension | Rs 2,000 | Rs 3,000 | Rs 4,000 | Rs 5,000 |
|---|---|---|---|---|---|---|
| 18 | 42 | Rs 42 | Rs 84 | Rs 126 | Rs 168 | Rs 210 |
| 25 | 35 | Rs 76 | Rs 151 | Rs 226 | Rs 301 | Rs 376 |
| 30 | 30 | Rs 116 | Rs 231 | Rs 347 | Rs 462 | Rs 577 |
| 35 | 25 | Rs 181 | Rs 362 | Rs 543 | Rs 722 | Rs 902 |
| 40 | 20 | Rs 291 | Rs 582 | Rs 873 | Rs 1,164 | Rs 1,454 |
Example: if you join at 18 and choose Rs 1,000 pension, you pay Rs 42 a month for 42 years. If you join at 40 and choose Rs 5,000 pension, you pay Rs 1,454 a month for 20 years. Joining early keeps the monthly amount low. This chart works like a simple atal pension yojana calculator: find your age row and pension column.
How to join Atal Pension Yojana
- Go to the bank branch or post office where you have a savings account.
- Ask for the Atal Pension Yojana form and choose a pension amount (Rs 1,000 to Rs 5,000).
- Give your mobile number and nominee details, and agree to auto debit from your account.
- Keep enough balance on the debit date each month so the contribution goes through.
- Note your PRAN (Permanent Retirement Account Number) once the account is opened.
Branch procedures differ; the details above are general. If anything is unclear, ask the branch.
How to check your Atal Pension Yojana statement
According to the PFRDA circular of 3 July 2020:
- Open the APY e-PRAN and transaction statement page on the CRA site (linked in the official links below). You can also reach it from www.npscra.nsdl.co.in by looking for Atal Pension Yojana, then APY e-PRAN/Transaction statement view.
- Enter the details the official page asks for. If the page looks different, look for an APY statement or e-PRAN option.
- Or install the official APY and NPS Lite mobile app to see your last 5 contributions, statement and e-PRAN.
Some websites say you can see the statement on UMANG. We could not confirm this from an official source.
Late payment and missed contributions
An older, undated Assam Finance brochure lists penalties of Re 1 a month (contribution up to Rs 100), Rs 2 (Rs 101 to 500), Rs 5 (Rs 501 to 1,000) and Rs 10 (above Rs 1,001). It also says the account is frozen after 6 months, deactivated after 12 months and closed after 24 months of non-payment. These rules may be outdated; ask your bank for the current position.
How many people have joined
As reported, APY had more than 8.66 crore subscribers as of 19 January 2026 (Business Today), and crossed 9 crore gross enrolments, announced on 22 April 2026 (IANS). FY 2025-26 saw over 1.35 crore gross enrolments, the highest in any year.
Plan your family's savings
APY is for your own old age. For a daughter's future, see Sukanya Samriddhi Yojana and its maturity calculator. Farmers can read PM Kisan Samman Nidhi, and artisans PM Vishwakarma Yojana. More on our home page.
Stay safe
This website is an independent guide. It is not a government website and it does not collect Aadhaar numbers, account numbers, application IDs, OTPs or any other personal data. Please do not send such details to us or to anyone who contacts you claiming to be from a scheme office.
- Never share an OTP, Aadhaar number or bank details with an unknown caller, SMS sender or WhatsApp contact.
- APY is opened through your own bank or post office. No agent is needed. A customer care number for APY was not confirmed in our research; use the official grievance page linked below.
- Beware of fake websites, fake apps, fake approval letters and agents who promise money or benefits for a fee.
- As reported in news coverage of police warnings, fraudsters have sent fake APK files on WhatsApp promising scheme payments. Do not install apps from links. For cyber fraud, news reports cite the national cyber helpline 1930.
Frequently asked questions
What is the age limit for Atal Pension Yojana?
You can join between 18 and 40 years of age, according to the Assam Labour Department APY page. You keep paying until 60, and the pension starts from 60. Joining younger means a smaller monthly contribution for the same pension, as the official contribution chart shows.
Can income taxpayers join Atal Pension Yojana?
No. From 1 October 2022, any citizen who is or has been an income tax payer cannot join, as reported by Business Today. If such a person joined on or after that date, the account is closed and the accumulated money is returned. People who joined before 1 October 2022 are not affected by this rule.
How much do I need to pay for Rs 5,000 pension in APY?
It depends on your joining age. According to the official chart copies, it is Rs 210 a month if you join at 18, Rs 376 at 25, Rs 577 at 30, Rs 902 at 35 and Rs 1,454 at 40. You pay this every month until you turn 60.
How can I check my Atal Pension Yojana statement?
According to a PFRDA circular of 3 July 2020, you can use the APY e-PRAN and transaction statement page on the CRA website, or the APY and NPS Lite mobile app, which shows your last 5 contributions, statement and e-PRAN. A UMANG option is mentioned online but was not confirmed by us.
What happens to the APY pension after the subscriber dies?
The spouse gets the same monthly pension. After both the subscriber and spouse die, the corpus accumulated up to age 60 is paid to the nominee, as reported by IANS and stated in the Assam Finance APY brochure. Keep nominee details updated at your bank.
Can I change my Atal Pension amount later?
Yes. A PFRDA circular of 3 July 2020 says the pension amount can be upgraded or downgraded once per financial year. Your monthly contribution changes to match the new pension. Ask your bank branch to process the change.
Sources: Assam Labour Department APY page · Assam Finance APY brochure · PFRDA circular, 3 July 2020 · Business Today, 11 August 2022 · Business Today, 22 January 2026 · IANS, 22 April 2026. Checked 14 October 2026. Rules change: always confirm on the official portal.