How to apply online for Atal Pension Yojana in 2025. Get ₹1000 to ₹5000 monthly pension after 60 years. Step-by-step guide, contribution chart, eligibility, and official links included.
What Is Atal Pension Yojana (APY)?
Atal Pension Yojana (APY) is a pension scheme launched by the Government of India for common citizens. The scheme mainly helps people working in the unorganized sector. Under this scheme, you get a guaranteed monthly pension of ₹1000 to ₹5000 after the age of 60 years.
The scheme is regulated by Pension Fund Regulatory and Development Authority and is supported by the Central Government.
Recently, the Union Cabinet approved the continuation of APY up to the year 2031, and it is expected to continue even further in the future.
Key Benefits of Atal Pension Yojana
- Guaranteed monthly pension after 60 years
- Pension amount: ₹1000 / ₹2000 / ₹3000 / ₹4000 / ₹5000
- Very low monthly contribution
- Government-backed and safe scheme
- Easy online and bank-based registration
- Over 8.66 crore people already enrolled
Who Can Apply for APY? (Eligibility Criteria)
To apply for Atal Pension Yojana, you must meet these conditions:
| Condition | Requirement |
|---|---|
| Age | 18 to 40 years |
| Citizenship | Indian citizen |
| Bank Account | Savings account required |
| Income Tax | Must NOT be an income tax payer |
| Aadhaar | Mandatory |
If you declare yourself as an income tax payer, you will not be eligible.
Pension Amount Options Under APY
You can choose how much pension you want after 60 years:
- ₹1000 per month
- ₹2000 per month
- ₹3000 per month
- ₹4000 per month
- ₹5000 per month
Your monthly contribution depends on the pension amount you select.
APY Monthly Contribution Chart
Below is an easy contribution chart (approximate values):
| Monthly Pension | Monthly Contribution |
|---|---|
| ₹1000 | ₹42 |
| ₹2000 | ₹84 |
| ₹3000 | ₹126 |
| ₹4000 | ₹168 |
| ₹5000 | ₹210 |
You can choose monthly, quarterly, or half-yearly payment mode.
Step-by-Step Process to Apply for Atal Pension Yojana Online
Follow these simple steps to apply from mobile or laptop:
Step 1: Open Official Website
Go to the official APY / NPS portal:
https://enps.nsdl.com
Step 2: Click on “Open Your NPS Account / Contribute Online”
Do not select continue registration. Scroll down.
Step 3: Choose APY (Atal Pension Yojana)
- Ignore NPS Vatsalya (for minors)
- Ignore Government Subscriber (for employees)
- Select APY – Atal Pension Yojana
- Click on Register Now
Step 4: Fill Registration Form
Enter the following details carefully:
- Income Tax Payer: Select NO
- Bank Name
- Branch Name
- Account Type (Savings / Current)
- Bank Account Number
- IFSC Code
- KYC Type: Aadhaar
- Aadhaar Number
- Email ID
Step 5: Select Pension Amount
Choose ₹1000 to ₹5000 as per your choice.
Step 6: Choose Contribution Frequency
- Monthly
- Quarterly
- Half-Yearly
Tick the declaration box.
Step 7: OTP Verification
- Click Generate OTP
- Enter OTP received on Aadhaar-linked mobile
- Submit the form
What Happens After Registration?
- APY Registration Number is generated
- APY Card is issued instantly
- Contribution starts from your bank account
- After 60 years, contribution stops
- Pension starts automatically every month
Important Official Links
- APY / NPS Portal: https://enps.nsdl.com
- PFRDA Website: https://www.pfrda.org.in
- Government Pension Info: https://www.india.gov.in
Frequently Asked Questions (FAQs)
1. Is Atal Pension Yojana guaranteed by the government?
Yes, APY is fully backed by the Government of India.
2. Can I apply for APY from home?
Yes, you can apply online using mobile or laptop.
3. What happens if I stop paying contribution?
Penalty may apply and account can become inactive.
4. Can income tax payers apply for APY?
No, income tax payers are not eligible.
5. When will pension start?
Pension starts after you complete 60 years of age.
6. Can I change pension amount later?
Yes, pension amount can be increased or decreased once a year.
