> ## Content Index > Fetch the complete content index at: https://newsanek.com/llms.txt > Use this file to discover other available public pages before exploring further. # Atal Pension Yojana: guaranteed pension of Rs 1,000 to Rs 5,000 a month after 60 - URL: https://newsanek.com/atal-pension-yojana/ - Published: 2026-11-07T04:32:44.000Z - Updated: 2026-11-07T15:20:14.000Z - Description: Atal Pension Yojana pays a fixed monthly pension of Rs 1,000 to Rs 5,000 after age 60. Here is who can join, what the scheme gives, and how to enrol through your bank or post office. - Author: Kumar Ujjwal - Tags: Govt Schemes, #scheme-finance, #scheme-for-worker, #scheme-all-india, #tl-c118d8 Here is the whole scheme in one place: what you get, who qualifies, how to apply, and what to check. __At a glance__ | Scheme | Atal Pension Yojana (APY) | | ---------------------- | ---------------------------------------------------------------------------------- | | Ministry or Department | Department of Financial Services, Ministry of Finance, Govt of India, run by PFRDA | | Benefit | Fixed monthly pension of Rs 1,000, 2,000, 3,000, 4,000 or 5,000 from age 60 | | Who can apply | Citizens aged 18 to 40 who do not pay income tax | | How it is paid | Monthly contribution deducted automatically from your savings bank account | | Apply at | Your bank or post office, or jansuraksha.gov.in | | Cost to apply | Free to register. Only your monthly contribution is paid | ### Key points - Pension of Rs 1,000 to Rs 5,000 a month, starting at age 60. - Open to ages 18 to 40 who do not pay income tax. - Your spouse gets the pension after your death, and the nominee gets the savings. - Contributions are deducted automatically from your bank account. ## So what exactly do you get after 60? You choose a fixed monthly pension of Rs 1,000, Rs 2,000, Rs 3,000, Rs 4,000 or Rs 5,000. The pension starts when you reach 60 years of age. The amount you pay each month depends on the pension you choose and the age you join. If the subscriber dies, the spouse gets the pension. When both have died, the nominee gets the accumulated savings. If you leave before 60, you get your contributions with the income earned, after small charges. Amounts can change, so please confirm the current rules on jansuraksha.gov.in. ## Who can apply, and who cannot? You must be between 18 and 40 years old to join. You must have a savings bank account, and your Aadhaar must be linked to it. You cannot join if you are an income taxpayer, or if you have been one in the past. This rule applies from October 1, 2022. Employees who already have a company pension or provident fund can still apply, as the scheme is open to all citizens who meet the age and tax rules. You need to keep contributing for about 20 years, until you reach age 60. ## Why was this scheme started, and what changed? The scheme was launched on May 9, 2015, by Prime Minister Narendra Modi in Kolkata. It replaced the older Swavalamban Yojana, which was started by the earlier government. It is named after former Prime Minister Atal Bihari Vajpayee. It is run by the Pension Fund Regulatory and Development Authority, PFRDA, under the Ministry of Finance. By April 2026, total enrolments crossed 9 crore subscribers. Atal Pension Yojana: key dates 1. **May 9, 2015**PM Narendra Modi launched the scheme in Kolkata, named after Atal Bihari Vajpayee. 2. **October 1, 2022**From this date, income taxpayers, current or past, cannot join the scheme. 3. **April 2026**Total enrolments crossed 9 crore subscribers. Graphic: News Anek, from the facts in this report ## What documents should you keep ready? Keep your Aadhaar card ready. It is the main identity and address proof. Keep a savings bank account in your name. A Jan Dhan account can be used. You also need your mobile number and the name and Aadhaar details of your nominee. A ration card or bank passbook can also be used as address proof. ## How do you apply online, step by step? Go to jansuraksha.gov.in and look for the Atal Pension Yojana section. Use the registration option and enter your Aadhaar details and bank account number. Choose your pension amount and your nominee. Then confirm with the OTP sent to your mobile. Once enrolment is complete through the digital process, your contribution starts getting deducted. ## How do you apply offline, at a bank or post office? Visit your bank branch or post office where you have a savings account. Ask for the Atal Pension Yojana registration form and fill it in. Attach a copy of your Aadhaar card and give your nominee details. The bank or post office staff will complete the enrolment and set up the auto-debit. ## How do you check your status, and what if money is deducted wrongly? You can check your account details through your bank or the PFRDA portal. If a deduction looks wrong, first speak to your bank or post office branch. You can also raise a complaint through the official website, jansuraksha.gov.in. ## What should you watch out for? Never pay money to an agent who promises a faster pension or a bigger amount. Only enrol through a bank, a post office or the official portal. You can change your chosen pension amount once a year, in April. ## Frequently asked questions ### Can a person above 40 join the scheme? No. The minimum age to join is 18 and the maximum is 40 years. Those above 40 cannot enrol. ### Does my spouse get the pension after I die? Yes. If the subscriber dies after 60, the spouse gets the pension. If both die, the nominee gets the accumulated savings. ### Can I change my pension amount later? Yes, but you can switch only once a year, in the month of April, as per the available amounts. ### What happens if I stop paying contributions? Your account may be affected and the pension amount can reduce. Check the rules with your bank or on jansuraksha.gov.in. ### Is there a last date to join? There is no fixed closing date stated in the sources, but you must be 40 or below when you join. Confirm the current position on the official site. ### Official links - [Official website](https://jansuraksha.gov.in/?ref=newsanek.com) This guide is based on official scheme rules. Rules and amounts can change, so always confirm on the official website before you apply. News Anek is not a government website.