About the Scheme
Atal Pension Yojana guarantees a minimum pension of ₹1,000-₹5,000/month at age 60 to unorganised sector workers aged 18-40. Government co-contributed 50% (or ₹1,000/year max) for eligible subscribers during 2015-2020. 8.34 crore subscribers (Oct 2025); AUM ₹48,000+ crore. Regulated by PFRDA. 48% women subscribers.
Target Beneficiaries: 8.34 crore gross enrolments (Oct 2025); 48% women (4.04 crore); AUM ₹48,000+ crore; CAGR 9.12% since inception
Key Features
- Fixed pension slabs: ₹1,000/₹2,000/₹3,000/₹4,000/₹5,000 per month from age 60 (subscriber chooses at joining)
- Monthly contribution: ₹42-₹1,454 depending on entry age and chosen pension amount
- 8.34 crore gross enrolments (Oct 2025); 4.04 crore women (48%); AUM ₹48,000+ crore
- Eligibility: 18-40 years; must have savings/post office bank account; not income taxpayer (originally)
- On death: spouse continues same pension; on both deaths nominee gets accumulated corpus
- PFRDA regulated; available via all banks, post offices, online
- Multiple Scheme Framework (MSF) from Oct 1 2025 — gig/platform workers covered under NPS