Looking for Atal Pension Yojana (APY) eligibility, documents, contribution, application and status information? This guide brings the key official details together in one place.
Last Verified: 27 August 2026
Source: Official PFRDA / NPS Trust
Applicable State: India
Service Type: Online + Offline
Atal Pension Yojana (APY)
Atal Pension Yojana is a Government of India-backed, voluntary pension scheme administered by the Pension Fund Regulatory and Development Authority (PFRDA). Eligible subscribers contribute until age 60 and receive a guaranteed minimum monthly pension of ₹1,000–₹5,000, depending on the selected pension slab.
Eligibility Criteria
| Eligibility Requirement | Details |
|---|---|
| Age | 18–40 years |
| Citizenship | Indian citizen |
| Bank Account | Savings bank/Post Office savings account required |
| Income Tax | New subscribers must not be income-tax payers from 1 October 2022 |
| Other Condition | Only one APY account per subscriber |
Documents Required
| Document | Required / Optional | Purpose/Notes |
|---|---|---|
| APY Registration Form | Required | Account enrolment |
| Savings Bank Account Details | Required | Auto-debit of contributions |
| Aadhaar | Conditional | Used for identification/e-KYC; required subsequently if not furnished at enrolment |
| Nominee Details | Required | Nomination is mandatory |
Application Fee & Processing Time
| Application Type / Category | Application Fee | Processing Time |
|---|---|---|
| APY account opening | ₹15 CRA opening charge | Not clearly specified on the official source |
| eAPY online registration | No additional eAPY charge | PRAN generated after successful verification |
Important Links
| Purpose | Official Link |
|---|---|
| Official APY Portal | PFRDA – Atal Pension Yojana |
| Apply Online | Open APY Account – NPS Trust |
| Registration Form | APY Subscriber Registration Form |
| Login / Account Access | Login to APY Account |
| Grievance | Lodge APY Grievance |
| Grievance Status | View APY Grievance Status |
How to Apply — Step by Step
- Open an eligible savings account with a participating bank/Post Office, if needed.
- Apply through the bank/Post Office using the APY form, or use the online APY facility.
- Provide the required personal, bank, nominee and pension details.
- Complete KYC/e-KYC and authorise auto-debit.
- Select the ₹1,000–₹5,000 pension slab and contribution frequency.
- Save the acknowledgement/PRAN details.
How to Track Application
Existing subscribers can log in to the official APY account facility to access account-related services. Online enrolment generates an acknowledgement after successful registration.
What to Do If Something Goes Wrong
For contribution, account or enrolment problems, first contact the APY bank/Post Office/PoP-SP. If unresolved, lodge a grievance through the official CGMS route. A grievance token is generated for status tracking; unresolved grievances can be escalated to NPS Trust.