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Social Welfare & EmpowermentCentral Sector
Ministry of Finance / PFRDA
Atal Pension Yojana (APY)
अटल पेंशन योजना
Government-backed pension scheme for workers in the unorganized sector providing a guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60.
1. Target Beneficiaries (Who It Is For)
Citizens aged 18-40 working in the unorganized sector, especially gig workers, agricultural laborers, and maids.
2. Why It Matches Your Profile (Gemini Reasoning)
Matches your broad demographic and occupation profile under central guidelines.
Criteria Met
- ✓State: Resident of All India
- ✓Category: Fits within General guidelines
- ✓Occupation: Aligns with job seeker status
3. Official Eligibility Criteria
Any citizen of India aged between 18 and 40 years holding a savings bank account. Should not be an income tax payer.
Age Range18 - 40 yrs
Income CeilingNo Income Cap
Target CategoryAll
Genderall
4. Scheme Benefits
₹1,000 to ₹5,000 / month guaranteed pension
- Guaranteed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 from age 60
- Pension continues to spouse upon demise of subscriber
- Entire accumulated corpus returned to nominee upon demise of both subscriber and spouse
5. Mandatory Documents Checklist
Aadhaar Card
Active savings bank account with auto-debit consent
Mobile number
6. Application Procedure (BOTH)
1Visit your bank branch or access net-banking / JanSuraksha portal
2Choose desired pension slab (e.g. ₹5,000/mo)
3Set up monthly auto-debit instructions
7. Official Verification & Portal Link
Host Portal: NPS Trust / PFRDA
8. Application Deadline / Status
Always open for age 18-40
Data Verification Stamp
Verified against official gazette on 2026-08-14