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Atal Pension Yojana (APY)


The Atal Pension Scheme will bring security to ageing Indians while at the same time promote a culture of savings and investment among the lower and lower middle class sections of society. One of the greatest benefits of the scheme may be enjoyed by the poorer sections of society.

How to Enroll

To sign up for the Atal Pension Yojana, an account holder must fill in an authorisation form and submit it to his/her bank. The form will require complete details including account number, spouse and nominee details, and authorisation for auto debit of contribution amount. Account holders signing up for the scheme need to ensure that sufficient balance is maintained in the account every month.

Scheme Benefits
  • Subscribers of APY will get monthly pension after they reach the age of 60 years.
  • If someone joins at the age of 18 years and contributes ₹42 till he reaches 60 years, then the monthly pension received would be ₹1,000.
  • Pension amount will range from ₹1,000 – ₹5,000.
  • Auto-debit facility will also be provided. With this, the monthly contribution would be automatically debited from the subscriber’s account.