Atal Pension Yojana

The Atal Pension Yojana (APY) is a Government of India pension scheme administered by the Pension Fund Regulatory and Development Authority (PFRDA). It is primarily aimed at workers in the unorganized sector and provides a guaranteed monthly pension after the subscriber attains 60 years of age. Depending on the contribution made and the age of joining, subscribers can receive a guaranteed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000.

Eligibility

1. Applicant must be an Indian citizen.

2. Applicant must be 18 to 40 years of age at the time of enrolment.

3. Applicant must have an active Savings Bank or Post Office Savings Account.

4. Aadhaar should be linked with the bank account for KYC purposes.

5. The subscriber must contribute regularly until attaining 60 years of age.

6. Income taxpayers are not eligible to join APY for enrolments made on or after 1 October 2022.

Mandatory Documents

1. Aadhaar Card

2. Passport-size Photograph

3. Identity Proof

4. Address Proof

5. Mobile Number

6. Bank Account

Supporting Documents

1. Bank Passbook

2. Life Certificate

3. Pension ID

Processing Time

1–7 Working Days
(Subject to verification by the participating bank or post office.)

Government Fee

No Government Fee

Terms & Conditions

The applicant must provide accurate and genuine information.
Enrollment is subject to eligibility and successful KYC verification.
Regular contributions must be made until the subscriber attains 60 years of age.
Delayed contributions may attract penalties as per APY rules.
Pension benefits are governed by the guidelines issued by PFRDA and the Government of India.
Submission of false information or forged documents may result in rejection of the application and legal action under applicable laws.

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