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Ministry Of Finance

Atal Pension Yojana

Bank Account Holders
Unorganized Workers
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 APY

The scheme is mainly targeted at unorganized sector workers.

APY Subscriber Contribution Chart -

Penalty for default

Under 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: >>Home >> select: NPS-Lite or through CGMS

Helpline Number - Toll Free Helpline number for APY Scheme is 1800-110-069

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