Atal Pension Yojana (APY), a pension scheme for citizens of India focused on the unorganized sector workers. Under the APY, guaranteed minimum pension of Rs. 1,000/-, 2,000/-, 3,000/-, 4,000 and 5,000/- per month will be given at the age of 60 years depending on the contributions by the subscribers.  The scheme is administered by the Pension Fund Regulatory and Development Authority (PFRDA) through NPS architecture specifically focused on all citizens in the unorganized sector. On successful registration into the scheme, a PRAN (Permanent Retirement Account Number) will be allotted to the subscriber. Customer can download his / her Atal Pension Yojana statement based on this unique number, PRAN, that identifies his/her account. 

Beneficiaries who are covered under statutory social security schemes are not eligible to receive Government co-contribution. For example, members of the Social Security Schemes under the following enactments would not be eligible to receive Government co-contribution:
Employees’ Provident Fund & Miscellaneous Provision Act, 1952.

The Coal Mines Provident Fund and Miscellaneous Provision Act, 1948.
Assam Tea Plantation Provident Fund and Miscellaneous Provision, 1955.
Seamens’ Provident Fund Act, 1966.
Jammu Kashmir Employees’ Provident Fund & Miscellaneous Provision Act, 1961.
Any other statutory social security scheme.

The subscribers can opt to decrease or increase pension amount during the course of accumulation phase, as per the available monthly pension amounts. However, the switching option shall be provided once in year as indicated by PFRDA. 
The subscriber will receive periodic physical Statement of Account issued by NSDL once a year. Additionally, subscriber can download APY app to view account details / contributions paid / transaction statement. Alternatively, you can also download your APY account statement, please click here Steps to be followed for downloading the APY account statement –
Enter Name + Bank a/c No. + DOB & Print
Enter PRAN* + Bank a/c Number & Print
*PRAN is available in the APY contribution debit narration in your account (PRAN begins with “5” & is 12 digit)

If subscriber is married then spouse by default will be nominee in this scheme. The subscriber can provide additional nominee. 
The subscriber is advised to share mobile number details with the bank during enrolment to receive registration & contribution confirmation from NSDL. 
Click here for Terms and conditions

Buying Process

Airtel Payments Bank enables you to subscribe for APY. You can complete the journey on AirtelThanks app or you can visit to our nearest retailer.

Using AirtelThanks app-

  1. Log in to AirtelThanks App and navigate to the Payments Bank section
  2. On the quick action menu, tap on ‘Pension’.
  3. Review your details.
  4. Continue the online journey to complete the process.

Using APB authorised retailer-

  1. Visit APB authorised retailer and request to initiate APY journey.
  2. Share your mobile number with the retailer.
  3. Retailer will check and verifies if you have a savings account with Airtel payments bank.
  4. Continue the journey as suggested by retailer to complete the process.

Additional Information

Click here for Citizen Charter
Click here for Information Brochure

Click here for APY claim form
Click here for Notarized affidavit

Click here for CRA's New Functionalities


A Pension provides a monthly income to the people during their unproductive years. Need for Pension:
  1. Decreased income earning potential with age.
  2. The rise of nuclear Family
  3. Migration of earning members.
  4. Rise in cost of living.
  5. Increased longevity.
  6. Dignified life in the old age due to less financial dependence.
Atal Pension Yojana (APY), a pension scheme launched by Government of India is focused on the unorganized sector workers. Under the APY, minimum guaranteed pension of Rs. 1,000/- or 2,000/- or 3,000/- or 4,000 or 5,000/- per month will start after attaining the age of 60 years depending on the contributions by the subscribers for their chosen pension amount.
Any Citizen of India can join APY scheme. The following are the eligibility criteria: -
  • (i) The age of the subscriber should be between 18 and 40 years.
  • (ii) He / She should have a savings bank account/ post office savings bank account.

The prospective applicants may provide mobile number to the bank during their Enrolments under APY to receive periodic updates on their APY account as well as on APY scheme. Aadhaar may also be provided at the time of enrolment as APY scheme is notified for the same.

  • YES, any Indian citizen within the age group of 18 - 40 years, can join APY Scheme irrespective of his/her employment status with Govt./Public Sector, for availing benefits guaranteed by Government of India under the scheme.
  • Further, an existing NPS subscriber can also subscribe to APY, if he/she meets the basic eligibility criteria, for availing benefits guaranteed by Government of India; under the scheme.

The benefit of minimum pension under Atal Pension Yojana would be guaranteed by the Government in the sense that if the actual realized returns on the pension contributions are less than the assumed returns for minimum guaranteed pension, over the period of contribution, such shortfall shall be funded by the Government. On the other hand, if the actual returns on the pension contributions are higher than the assumed returns for minimum guaranteed pension, over the period of contribution, such enhanced scheme benefits shall be passed on to the subscribers.

The Government of India had co-contributed 50% of the total contribution or Rs. 1000 per annum, whichever is lower, to each eligible subscriber, who joined the scheme during the period 1st June, 2015 to 31st March, 2016 and who is not a beneficiary of any social security scheme and is not an income tax payer. The Government co-contribution will be given for 5 years from the Financial Year 2015-16 to the Financial Year 2019-20.

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