Atal Pension Yojana — Quick Overview
| Scheme Name | Atal Pension Yojana 2026 — Guaranteed ₹1,000–₹5,000 Monthly Pension | APY Registration |
| Launched By | Government of India |
| Launch Year | 2015 |
| Benefit | Rs.1,000 to Rs.5,000 guaranteed monthly pension after age 60 + Section 80CCD(1B) tax deduction |
| Category | Finance |
| Last Verified | 1 April 2026 |
| Official Portal | https://npscra.nsdl.co.in |
What is Atal Pension Yojana?
Atal Pension Yojana provides a guaranteed monthly pension of Rs.1,000 to Rs.5,000 after age 60 to unorganized sector workers. Over 7 crore subscribers enrolled. Small monthly contributions from age 18 ensure a dignified retirement income. Contributions also qualify for Section 80CCD(1B) tax deduction up to Rs.50,000.
Under this scheme, eligible beneficiaries receive Rs.1,000 to Rs.5,000 guaranteed monthly pension after age 60 + Section 80CCD(1B) tax deduction. The scheme was launched in 2015 and is implemented by the Government of India.
Benefits of Atal Pension Yojana
Rs.1,000 to Rs.5,000 guaranteed monthly pension after age 60 + Section 80CCD(1B) tax deduction
Who is Eligible for Atal Pension Yojana?
- ✓Age 18 to 40 years
- ✓Indian citizen
- ✓Active bank/post office savings account
- ✓Not an income tax payer (income tax filers excluded since October 2022)
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Documents Required for Atal Pension Yojana
How to Apply for Atal Pension Yojana Online?
- 1Visit the official portal at https://npscra.nsdl.co.in
- 2Click on Apply Now or Register button on the homepage
- 3Enter your Aadhaar-linked mobile number and verify OTP
- 4Fill in the online application form with required details
- 5Upload the required documents including Aadhaar and bank passbook
- 6Review all details and submit the application
- 7Note down the application reference number for future tracking
- 8Wait for verification and approval from the concerned authority
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on npscra.nsdl.co.inFrequently Asked Questions — Atal Pension Yojana
Common Questions About Finance Schemes
What is covered under PMSBY?+
Death or total permanent disability due to accident gets ₹2 lakh. Partial permanent disability gets ₹1 lakh.
How to enroll in PM Suraksha Bima Yojana?+
Contact your bank branch or enroll through internet banking/mobile app to activate this insurance with just ₹20/year deducted automatically.
What are the four categories under PM Mudra Yojana in 2026?+
Shishu: up to ₹50,000 for new startups; Kishore: ₹50,001 to ₹5 lakh for growing businesses; Tarun: ₹5 lakh to ₹10 lakh for established businesses; Tarun Plus (launched 2024 Union Budget): ₹10 lakh to ₹20 lakh for those who successfully repaid a Tarun loan.
Which banks offer Mudra loans?+
All PSU banks (SBI, PNB, BOB, etc.), private banks, Regional Rural Banks (RRBs), Microfinance Institutions (MFIs), and NBFCs are registered Mudra lenders. Apply at any branch or online at udyamimitra.in.
What does PMJJBY cover?+
It covers death due to any cause. Rs.2 lakh is paid to the nominee in case of the policyholder's death during the policy year.
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