Topic
The Atal Pension Yojana is a government-backed pension scheme for workers in the unorganised sector, administered by PFRDA.
39 storiesLatest 15 Oct 2026, 20:56 IST
Retirement/
PFRDA Circular PFRDA/2021/31/SUP-POP/5 fixes the turnaround times, compensation and grievance rules your bank or post office must follow on an Atal Pension Yojana account, with APY set beside NPS.
Retirement
PFRDA's eAPY facility opens an Atal Pension Yojana account online with Aadhaar, no branch visit. How APY onboarding, Aadhaar seeding, taxation and drawdown work in 2026, and how it compares with NPS.
Retirement
APY gives a guaranteed Rs 1,000-5,000 monthly pension from age 60, but from 1 October 2022 any income-tax payer is barred. How it compares with NPS on eligibility, tax and drawdown.
Retirement
PFRDA's 14 January 2025 master circular binds the same agent who sells you NPS and APY. We compare the schemes' drawdown rules and the 80% withdrawal versus 60% tax-exemption divergence.
Retirement
Since May 2023, PFRDA has required an annual independent audit of every bank that sells Atal Pension Yojana. Here are the PoP audit rules, the tax on withdrawal and what the guaranteed pension pays.
Retirement
Atal Pension Yojana pays a Central Government-guaranteed Rs 1,000-5,000 monthly pension for life. See the official contribution chart, tax rules and how APY compares with SCSS and PPF drawdown.
Retirement
Since 1 October 2022 no income-tax payer can open a new Atal Pension Yojana account. What the bar actually covers, the age-wise contribution chart, and exactly what a premature exit refunds.
Retirement
PFRDA's Atal Pension Yojana guarantees Rs 1,000 to Rs 5,000 a month for life from age 60. What each slab costs at entry ages 18 to 40, how the pension is taxed, and a worked drawdown.
Retirement
PFRDA's 17 June 2026 circular audits the banks and post offices selling Atal Pension Yojana. We set APY's guaranteed Rs 5,000 pension against NPS on rules, tax and drawdown.
Retirement
APY's Rs 1-per-Rs-100 late-payment penalty looks trivial, but this explainer shows exactly how missed auto-debits are charged, how the pension is taxed, and when early exit costs you.
Retirement
How Atal Pension Yojana's five fixed slabs work: the spouse keeps the same monthly pension for life, and the nominee gets up to Rs 8.5 lakh corpus, plus the tax rules.
Retirement
The Union Cabinet has extended Atal Pension Yojana funding to FY 2030-31 with 8.66 crore subscribers enrolled. How APY compares with NPS on rules, tax and retirement drawdown.
Retirement
Since 1 October 2022, income-tax payers cannot open a new Atal Pension Yojana account. The APY rules, contribution chart, tax on the pension, and the NPS route taxpayers must use instead.
Retirement
PFRDA data as on 09-08-2026 shows NPS at Rs 17.7 lakh crore across 2.29 crore subscribers and APY past 9 crore enrolments. How NPS and APY compare for retirement drawdown, with tax and worked examples.
Retirement
PFRDA's 2026 circulars - same-day NPS investment, twin PoP audit frameworks and the PRIDE-DISHA toolkit - change the plumbing, not the tax. Here is how NPS and APY compare at drawdown.
Retirement
APY guarantees a Rs 1,000 to Rs 5,000 monthly pension for an outlay from Rs 210 a month, but since 1 October 2022 income-tax payers can no longer open a new account. A full guide to contributions, tax and drawdown.
Retirement
Atal Pension Yojana guarantees a government-backed pension of Rs 1,000 to Rs 5,000 a month for life from age 60. Who can join after the 2022 income-tax bar, how it is taxed, and a worked drawdown.
Retirement
APY guarantees a fixed Rs 1,000 to Rs 5,000 monthly pension from age 60 for savers aged 18 to 40 outside the tax net. Slabs, contribution chart, tax rules and a 42-year worked drawdown versus NPS.
Retirement
Under APY the spouse keeps the same guaranteed Rs 1,000-5,000 monthly pension for life, and the nominee inherits Rs 1.7-8.5 lakh corpus, tax-free under Section 80CCD(3).
Retirement
APY charges Rs 1 per Rs 100 of contribution per month on late payments and has barred income-tax payers from new accounts since 1 October 2022. Here is the fine print, the tax on the pension, and a worked drawdown.
Retirement
APY guarantees a Rs 1,000 to Rs 5,000 monthly pension from age 60. See the exact contribution chart by entry age, the 170x corpus to nominees, the tax rules and who can join at 18-40.
Retirement
APY pays a spouse the same guaranteed pension for life and a fixed corpus of up to Rs 8.5 lakh to the nominee. Here is how the three-tier survivor structure, tax and drawdown work.
Retirement
Since 1 October 2022, income-tax payers cannot join Atal Pension Yojana. Here is the PFRDA rule, the contribution chart, tax on the pension, and why NPS is the alternative.
Retirement
Since 1 October 2022 no income-tax payer can join Atal Pension Yojana. Here are APY eligibility, exit and spouse-continuation rules, plus how the guaranteed Rs 1,000-5,000 pension is taxed.
Retirement
Atal Pension Yojana pays a Central Government-guaranteed Rs 1,000 to Rs 5,000 a month from age 60. See the exact contribution chart, tax rules, and a worked drawdown.
Retirement
Miss an APY debit and your bank adds Re 1 per Rs 100 as an overdue charge - but the account is not closed. Here is how the penalty, regularisation and co-contribution forfeiture rules actually work.
Retirement
Atal Pension Yojana guarantees a fixed monthly pension of Rs 1,000 to Rs 5,000 from age 60 for life. Here are the five slabs, the 18-40 age rule, the 1 October 2022 taxpayer bar, and a worked drawdown versus SCSS and NPS.
Retirement
PFRDA's 2025 Master Circular decodes where your NPS and APY money is really invested -- equity caps, Class G/C/E/A assets and the tax on withdrawal, with a worked drawdown example.
Retirement
Quit APY before 60 and you get back only your own contributions plus accrued income, less charges. The government co-contribution and guaranteed pension are forfeited. Here is the exact refund and tax math.
Retirement
Atal Pension Yojana guarantees Rs 1,000 to Rs 5,000 a month from age 60. Here are the five slabs, the 18-40 join window, the income-tax-payer bar, tax rules and a worked drawdown.
Retirement
PFRDA's 14 January 2025 Master Circular sets the advisories your Point of Presence must follow for NPS and APY. Here is how the two rails compare on tax, drawdown and eligibility.
Retirement
PFRDA's 2025 Master Circular sets how NPS and Atal Pension Yojana money is invested across equity, bonds and G-secs. Compare both schemes, their withdrawal tax and a worked drawdown.
Retirement
PFRDA's 24 May 2026 dashboard shows NPS at Rs 16.6 lakh crore and APY at 7.59 crore accounts. We compare both schemes, their withdrawal tax, and a worked drawdown.
Retirement
Quitting Atal Pension Yojana before 60 returns only your own contributions plus accrued income, minus charges, and forfeits any government co-contribution. The full early-exit and penalty maths.
Retirement
Atal Pension Yojana guarantees a fixed Rs 1,000 to Rs 5,000 monthly pension from age 60 for life. We decode the five slabs, the PFRDA contribution chart, tax treatment and a worked drawdown.
Retirement
PFRDA's verified Atal Pension Yojana contribution chart by entry age, the 80CCD tax treatment, and a worked lifetime drawdown showing why joining at 18 nearly halves your cost.
Retirement
Atal Pension Yojana guarantees Rs 1,000 to Rs 5,000 a month from age 60, but since 1 October 2022 income-tax payers cannot join. Here is the premium chart, tax treatment and a worked drawdown.
Retirement
APY guarantees Rs 1,000 to Rs 5,000 monthly pension from age 60, but income-tax filers were locked out from 1 October 2022. How it stacks up against NPS Tier 1 for retirement.
Retirement
PFRDA's official Atal Pension Yojana matrix in full: how much you pay monthly by entry age, the Section 80CCD(1B) catch, and a 35-year drawdown for a 25-year-old.
