myScheme is an e-Marketplace for Govt. schemes and services. Using myScheme you can find various government schemes, check your eligibility, and apply for the schemes.

How myScheme will help common citizens?

myScheme will reduce the time and effort of citizens in searching for appropriate government schemes.The easy user interface of myScheme helps common people a lot in discovering and applying for schemes.

Can I apply for the schemes through myScheme?

For now, the platform shall direct you to the application page of the scheme of your choice.It is envisaged that in the upcoming phases, myScheme shall have the feature to apply for schemes / services from within the platform/ app.

What all information about a particular scheme can I find on myScheme ?

myScheme provides details on the eligibility criteria, application process, and benefits being offered under that scheme. myScheme also answers the Frequently Asked Questions(FAQs) about the scheme.

What are the broad sectors across which the schemes are available in myScheme ?

In myScheme, schemes & services are available across a wide range of sectors such as Agriculture, Rural & Environment, Business & Entrepreneurship, Education & Learning, Health & Wellness, Housing & Shelter, Banking, Financial Services & Insurance, Public Safety, Law & Justice, Science, IT & Communication, Skills & Employment, Social welfare & Empowerment, Sports & Culture, Tax & Revenue, Transport & Infrastructure, Travel & Tourism, Utility & Sanitation.

Does the myScheme platform provide multilingual support?

Yes, currently the platform content is available in two languages i.e., Hindi & English. Content in other Indian languages will also be provided soon.

Does myScheme showcase Central as well as State - specific schemes ?

Currently, around 100 Central Government schemes have been onboarded on the platform. State schemes will also be onboarded soon.

I could not find a scheme XYZ on the myScheme platform.

Currently, around 100 Central Government schemes have been onboarded on the platform. Many more schemes will be added soon. You may leave your suggestion in the feedback sectionfor the same.

I found some errors in the content of the schemes.

In case of any issue in the content, please refer to the English version and if the issue is found there also please refer to respective Ministry's portal. You may also send email to support-myscheme[at]digitalindia[dot]gov[dot]in

I want to explore the schemes under which Legal Assistance is provided to the citizens.Would it be possible through myScheme?

Yes, the “Tags” feature of myScheme empowers the citizen to explore the schemes based on the type and the extent of the benefits provided.

I want to apply for a specific scheme but I need to know the documents that I am needed to provide to apply.Can I find this information in myScheme?

Yes, myScheme provides the complete list of the required documents for all the schemes.

Details
Benefits
Eligibility
Exclusions
Application Process
Documents Required
Frequently Asked Questions
Sources And References
Feedback

Check Eligibility

Ministry Of Finance

Atal Pension Yojana

Bank Account Holders

Pension

Unorganized Workers

Details

Atal Pension Yojana (APY) is an old age income security scheme for all the savings account holder between age group 18-40. The scheme also address the longevity risks among the workers in unorganized sector and encourages the workers to voluntarily save for their retirement.
﻿
﻿
Focus of APYThe scheme is mainly targeted at unorganized sector workers.
﻿
﻿
APY Subscriber Contribution Chart -﻿https://www.npscra.nsdl.co.in/nsdl/scheme-details/APY_Subscribers_Contribution_Chart_1.pdf﻿
﻿
﻿
Penalty for defaultUnder APY, the individual subscribers shall have an option to make the contribution on a monthly basis. Banks will be collecting  additional amount for delayed payments, such amount will vary from minimum Rs. 1 per month to Rs 10/- per month as shown below:
• Rs. 1 per month for contribution upto Rs. 100 per month.
• Rs. 2 per month for contribution upto Rs. 101 to 500/- per month.
• Rs. 5 per month for contribution between Rs 501/- to 1000/- per month.
• Rs. 10 per month for contribution beyond Rs 1001/- per month.
﻿
The fixed amount of interest/penalty will remain as part of the pension corpus of the subscriber.
﻿
﻿
Discontinuation of payments of contribution amount shall lead to following• After 6 months account will be frozen.
• After 12 months account will be deactivated.
• After 24 months account will be closed. 
﻿
﻿﻿
﻿
﻿Raising Grievance Under APY  ﻿Subscriber can anytime raise grievance free of cost and from anywhere by visiting: www.npscra.nsdl.co.in >>Home >> select: NPS-Lite or through CGMS  
﻿Subscriber raising the grievance will be allotted a token number against the grievance raised. Subscriber may check the status of the grievance under “Check the status of Grievance / Enquiry already registered”﻿
﻿
﻿
Helpline Number - Toll Free Helpline number for APY Scheme is 1800-110-069﻿
﻿

Benefits

Upon exit on attaining 60 yearsThe subscriber shall receive the following three benefits on attaining the age of 60:
(i) Guaranteed minimum pension amount: Each subscriber under APY shall receive a  guaranteed minimum pension of Rs. 1000 per month or Rs. 2000 per month or Rs. 3000 per month or Rs. 4000 per month or Rs. 5000 per month, after the age of 60 years until death.
﻿
(ii) Guaranteed minimum pension amount to the spouse: After the subscriber’s demise, the spouse of the subscriber shall be entitled to receive the same pension amount as that of the subscriber,until the death of the spouse.
﻿
(iii) Return of the pension wealth to the nominee of the subscriber: After the demise of both the subscriber and the spouse, the nominee of the subscriber shall be entitled to receive the pension wealth, as accumulated till age 60 years of the subscriber.
﻿
Contributions to the Atal Pension Yojana (APY) is eligible for tax benefits similar to the National Pension System (NPS) under section 80CCD(1)
﻿
Voluntary exit (Exit before 60 Years of age): The subscriber shall only be refunded the contributions made by him to APY along with the net actual accrued income earned on his contributions (after deducting the account maintenance charges).
However, in case of subscribers who joined the scheme before 31st March 2016 and received Government Co-Contribution shall not receive the Government co-contribution and the accrued income earned on the same, if opted for Voluntary exit before 60 years.
﻿
For death before 60 yearsOption 1: In case of death of the subscriber before 60 years, option will be available to the spouse of the subscriber to continue contribution in the APY account of the subscriber, which can be maintained in the spouse’s name, for the remaining vesting period, till the original subscriber would have attained the age of 60 years. The spouse of the subscriber shall be entitled to receive the same pension amount as the subscriber until death of the spouse. Such APY account and pension amount would be in addition to even if the spouse has his/her APY account and pension amount in own name.
﻿
Option 2: The entire accumulated corpus till date under APY will be returned to the spouse / nominee.
﻿

Eligibility

Age of joining and contribution period﻿
The minimum age of joining APY is 18 years and maximum age is 40 years. The age of exit and start of pension would be 60 years. Therefore, minimum period of contribution by the subscriber under APY would be 20 years or more.
﻿
All bank account holders under the eligible category may join APY with auto debit facility to accounts.
﻿
﻿
﻿
﻿

Exclusions

Tax Payers will not be eligible to Join APY from 1 oct, 2022.If a subscriber of the plan who enrolled on or after October 1, 2022, is later discovered to have paid income taxes on or before the date of application, the APY account will be terminated, and the member will be granted the total amount of pension wealth accrued up to that point, per the order.
﻿
﻿
Members of statutory social security scheme are not eligible under this scheme.﻿
Statutory social security scheme Employees’ Provident Fund and 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 and Miscellaneous Provision Act, 1961.
Any other statutory social security scheme.
﻿

Application Process

Online

Offline

Process 1﻿
One can also open an APY account online using one's bank's Net banking facility. 
The applicant can login into his/her internet banking account and search for APY on dashboard.
Customer has to fill some basic and Nominee details.
Customer has to give consent of auto debit of premium from the account and submit the form
﻿
Process 2﻿
Visit website “https://enps.nsdl.com/eNPS/NationalPensionSystem.html “ and select “Atal Pension Yojana”.﻿
Select “APY Registration”﻿
Fill the basic details in the form. One can complete KYC through 3 options – Offline KYC – Where one has to upload XML file of Aadhaar
Aadhaar – Where KYC is done through OTP verification on Mobile Number register with Aadhaar
Virtual ID – Where Aadhaar virtual ID is created for KYC 
Citizen can select either one of three options.
﻿
Once the basic details are filled, an acknowledgement number is generated﻿
Citizen then has to fill personal details and decide the pension amount he/she wants after 60 years. The Citizen here also has to decide the frequency of contribution for scheme.﻿
Once Citizen “confirms” for personal details, he/she then has to fill nominee details﻿
After submitting the personal and Nominee details, Citizen is redirected to NSDL website for eSign﻿
Once Aadhaar is OTP verified Citizen gets successfully registered in APY

Documents Required

Aadhaar Card
Active Bank/Post office savings Account Details
﻿
﻿

Frequently Asked Questions

When will I receive my Pension?

I am a Swavalamban subscriber. Can i still, apply for APY?

Is it required to furnish nomination while joining the scheme?

Is there any provision of default nominee or blood relation?

What will happen if the contribution gets delayed?

How will I know the status of my contribution?

Whether Aadhaar Number is compulsory for joining the scheme?

Whether an employee of Central/State Government or Public Sector Undertaking and/or a NPS subscriber can subscribe to APY?

Can I open APY Account without savings bank account?

If I have completed 40 years, can I join Atal Pension Yojana?

Sources And References

Scheme Guidelines

APY Subscriber Contribution Chart

Was this helpful?

News and Updates

No new news and updates available

Check Eligibility

Ministry Of Finance

Atal Pension Yojana

Bank Account Holders

Pension

Unorganized Workers

Details

Benefits

Eligibility

Exclusions

Application Process

Documents Required

Frequently Asked Questions

Atal Pension Yojana (APY) is an old age income security scheme for all the savings account holder between age group 18-40. The scheme also address the longevity risks among the workers in unorganized sector and encourages the workers to voluntarily save for their retirement.
﻿
﻿
Focus of APYThe scheme is mainly targeted at unorganized sector workers.
﻿
﻿
APY Subscriber Contribution Chart -﻿https://www.npscra.nsdl.co.in/nsdl/scheme-details/APY_Subscribers_Contribution_Chart_1.pdf﻿
﻿
﻿
Penalty for defaultUnder APY, the individual subscribers shall have an option to make the contribution on a monthly basis. Banks will be collecting  additional amount for delayed payments, such amount will vary from minimum Rs. 1 per month to Rs 10/- per month as shown below:
• Rs. 1 per month for contribution upto Rs. 100 per month.
• Rs. 2 per month for contribution upto Rs. 101 to 500/- per month.
• Rs. 5 per month for contribution between Rs 501/- to 1000/- per month.
• Rs. 10 per month for contribution beyond Rs 1001/- per month.
﻿
The fixed amount of interest/penalty will remain as part of the pension corpus of the subscriber.
﻿
﻿
Discontinuation of payments of contribution amount shall lead to following• After 6 months account will be frozen.
• After 12 months account will be deactivated.
• After 24 months account will be closed. 
﻿
﻿﻿
﻿
﻿Raising Grievance Under APY  ﻿Subscriber can anytime raise grievance free of cost and from anywhere by visiting: www.npscra.nsdl.co.in >>Home >> select: NPS-Lite or through CGMS  
﻿Subscriber raising the grievance will be allotted a token number against the grievance raised. Subscriber may check the status of the grievance under “Check the status of Grievance / Enquiry already registered”﻿
﻿
﻿
Helpline Number - Toll Free Helpline number for APY Scheme is 1800-110-069﻿
﻿

Was this helpful?

News and Updates

No new news and updates available

Are you sure you want to logout?

You need to login before applying for schemesCancelLoginApply Via:

You need to login before applying for schemes

Apply Via:

Check Eligibility

Ministry Of Finance

Atal Pension Yojana

Details

Focus of APY

﻿

APY Subscriber Contribution Chart -

Penalty for default

Discontinuation of payments of contribution amount shall lead to following

﻿Raising Grievance Under APY ﻿

Benefits

Upon exit on attaining 60 years

Voluntary exit (Exit before 60 Years of age):

For death before 60 years

Eligibility

Age of joining and contribution period

Exclusions

Tax Payers will not be eligible to Join APY from 1 oct, 2022.

Members of statutory social security scheme are not eligible under this scheme.

Statutory social security scheme

Application Process

Process 1

﻿

Process 2

﻿

Visit website “https://enps.nsdl.com/eNPS/NationalPensionSystem.html “ and select “Atal Pension Yojana”.

﻿

Select “APY Registration”

﻿

Fill the basic details in the form. One can complete KYC through 3 options –

﻿

Once the basic details are filled, an acknowledgement number is generated

﻿

Citizen then has to fill personal details and decide the pension amount he/she wants after 60 years. The Citizen here also has to decide the frequency of contribution for scheme.

﻿

Once Citizen “confirms” for personal details, he/she then has to fill nominee details

﻿

After submitting the personal and Nominee details, Citizen is redirected to NSDL website for eSign

﻿

Once Aadhaar is OTP verified Citizen gets successfully registered in APY

Documents Required

Frequently Asked Questions

Sources And References

News and Updates

Share

You need to login before applying for schemesCancelLoginApply Via:

You need to login before applying for schemes

Apply Via:

Check Eligibility

Ministry Of Finance

Atal Pension Yojana

Focus of APY

﻿

APY Subscriber Contribution Chart -

Penalty for default

Discontinuation of payments of contribution amount shall lead to following

﻿Raising Grievance Under APY ﻿

Share

News and Updates

Quick Links

Useful Links

Get in touch

You need to login before applying for schemes
Apply Via:

Raising Grievance Under APY

You need to login before applying for schemes
Apply Via:

Raising Grievance Under APY