Pradhan Mantri Atal Pension Yojana (PMAPY) –For Social Security In India – Complete Detail

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Atal Pension Yojana

Complete Information Of Pradhan Mantri Atal pension Yojana

Atal pension Yojana named after our ex Prime Minister “Atal Bihari Vajpayee” also known as synchronous – APY was launched in continuum with Jan Dhan Yojana also launched by Our present Prime Minister Mr Narendra Modi.

AKY scheme was officially launched by PM on 9 of May Year 2015 in Kolkata.
Finally Our Finance Minister Arun Jaitley formally declared APY under 2015 Budget Speech in February 2015.

What was the Reason Behind Atal Pension Yojana –
Main reason behind ATAL PENSION YOJANA was to provide a definite pension to all Indians in their old age.
In order to get pension during your old age you need to contribute too . The more You contribute more pensions you would get during old age.
Which Group will Get the Benefits Of Atal Pension Yojana

APY is a scheme for all those people of the unorganized sector (Private sector) who wish to join the National Pension System and are not a member a member of any other Social Scheme.
In simple words , it is mainly focused for those people who work in private sector and wish to have a fixed amount of pension after their retirement.
What are the Benefits of Atal Pension Yojana

Under Atal Pension Yojana one person can get a fixed amount of upto Rs 1000/2000/3000/4000/5000 per month in their 60’s. However their pension depends upon their own contribution only . As per Government this yojana is in hands of Finance Department of India.

One of the most important and best part of this scheme is that Government will contribute upto 50% of User Contribution or you can say Rs 1000 per Year upto five years.

Eligibility For Atal Pension Yojana

Any Indian Between age group of 18 years to 40 years can apply for atal pension Yojana.
This wisely selection of age group allows each indivisual to contribute for their pension for al least 20 years before getting the benifits of the scheme.
Any Bank account holder who is not a member of any social security scheme can avail for this scheme and get the benefits in their old age.

Note : all existing Member of the Government’s Swavalamban Yojana NPS Lite’ will be automatically be migrated to this new and well managed Atal Pension Yojana . That mean it will now replace the Swavalamban Yojana NPS Lite.


How To Enroll For Atal Pension Yojana

Enrollment For Atal Pension Yojana is very Simple and sleak.  This is the following procedure.

For those who are having a bank account:

To sign up for the Atal Pension Yojana, First of all you must have any bank account from any approved bank . Additional an account holder must fill in an authorization form , After that you need to  submit it to his/her bank.

The form will require complete details including account number, spouse and nominee details, and authorization for auto debit of contribution amount.

Note: Account holders signing up for the scheme need to ensure that sufficient balance is maintained in the account every month, failing to do so will attract a monthly fine of – theses are the mandatory.

  • INR 1 for monthly contribution up to INR 100
  • INR 2 for monthly contribution between INR 101 and INR 500
  • INR 5 for monthly contribution between INR 501 and INR 1,000
  • INR 10 for monthly contribution beyond INR 1,001

But If no payment is made towards the scheme

  • for six months, the holder’s account will be frozen.
  • for 12 months, the holder’s account will be deactivated.
  • for 24 months, the holder’s account will be closed.

For those who are not having a Bank Account : 

  • A person needs to open a bank account first by submitting the KYC document and Aadhar card.
  • Littile detail about KYC and Aadhar Card:
  • KYC (Know your Customer)Know your customer (KYC) is the process of a business verifying the identity of its clients and customers. The term is also used to refer to the bank regulation which governs these activities.
  • Aadhar Card –  Aadhaar is a 12 digit individual identification number issued by the Unique Identification Authority of India on behalf of the Government of India. This number will serve as a proof of identity and address, anywhere in India.
  • He/she is also required to submit the APY proposal form.

Download apy propsal form : (attachment) Atal-Pension-Yojana-English_PDF

Application Form download for Atal Pension Yojana

Atal Pension yojana Application Formcan be downloaded from

We are providing here application form in two languages Hindi and English with PdF Attachments.

Application Form in Hindi

Application Form in English

Official Website For Atal Pension Yojana

Official Website :

Complete List Of Indicative Contribution for Various Pension Options (in INR)

The whole data has been obtained from APY  official template.

Entry Age Years of Contribution Monthly Pension INR 1000 Monthly Pension INR 2000 Monthly Pension INR 3000 Monthly Pension INR 4000 Monthly Pension INR 5000
18 42 42 84 126 168 210
19 41 46 92 138 183 228
20 40 50 100 150 198 248
21 39 54 108 162 215 269
22 38 59 117 177 234 292
23 37 64 127 192 254 318
24 36 70 139 208 277 346
25 35 76 151 226 301 376
26 34 82 164 246 327 409
27 33 90 178 268 356 446
28 32 97 194 292 388 485
29 31 106 212 318 423 529
30 30 116 231 347 462 577
31 29 126 252 379 504 630
32 28 138 276 414 551 689
33 27 151 302 453 602 752
34 26 165 330 495 659 824
35 25 181 362 543 722 902
36 24 198 396 594 792 990
37 23 218 436 654 870 1,087
38 22 240 480 720 957 1,196
39 21 264 528 792 1,054 1,318
40 20 291 582 873 1,164 1,454

Exiting Details of Atal Pension Yojana

Under ordinary circumstances and conditions, an account holder who has enrolled for the Atal Pension Yojana will not be able to exit the scheme before the age of 60  this is also verified under terms and conditions in Offical website of Atal Pension Yojana.

Exiting this  scheme will be  only possible in special circumstance such as in the event of the death of the beneficiary.


According to a statement by the Finance Ministry of India Mr Arun Jetaly “ as many as 30 lakh subscribers have registered themselves under APY as on June 30, 2016 and nearly 5,000 new subscribers are added every day.”

Contact Information –

National Toll-Free Number – 1800-180-1111 / 1800-110-001

Rule And Regulation of Atal Pension Yojana

Rules of Atal Pension Yojana

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