Atal Pension Yojana Scheme: Added 11.7 Million New Enrollments in FY25

The Atal Pension Yojana (APY), India’s flagship pension scheme aimed at providing financial security to the unorganised sector, registered 11.7 million new enrolments during the financial year 2024–25. 

According to the Pension Fund Regulatory and Development Authority (PFRDA), total gross enrolments under the scheme have now crossed the 76 million mark as of 31 March 2025.

Steady Growth and Robust Asset Management

This marks the third consecutive year in which APY has attracted over 10 million new subscribers annually. The scheme’s total assets under management (AUM) have surpassed ₹44,780 crore, demonstrating growing trust among the public. Since its inception, APY has delivered an impressive annual return of 9.11%.

APY, now completing its tenth year, guarantees a minimum assured monthly pension ranging from ₹1,000 to ₹5,000, starting from the age of 60. The pension benefits are extended to the spouse after the subscriber’s death, and eventually, the accumulated corpus is transferred to the nominee after the death of both.

Increased Subscriber Flexibility and Women’s Participation

Last year, PFRDA introduced enhanced flexibility for subscribers by allowing them to select their preferred Central Recordkeeping Agency (CRA) among CAMS, KFin, and Protean eGov Technologies for initiating and maintaining their APY accounts. Contributions are collected through an auto-debit facility from either savings bank accounts or post office savings bank accounts.

The financial year 2024–25 also witnessed an encouraging rise in female participation, with women constituting approximately 55% of the new enrolments, further broadening the scheme’s outreach.

Read More: Atal Pension Yojana: Understanding Missed Payments and Subscriber Benefits.

Conclusion

The Atal Pension Yojana continues to solidify its position as a key instrument for retirement planning among India’s working population. With consistent growth, strong returns, and enhanced subscriber services, APY has maintained its momentum into its tenth year.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.