Atal Pension Yojana Surpassed 8.34 Crore Enrolments: Check How to Apply?

Launched in May 2015, the Atal Pension Yojana (APY) with the primary aim of establishing a universal social security system in India. The scheme focuses on providing financial security to the poor, underprivileged, and workers in the unorganised sector. APY is open to all Indian citizens aged 18 to 40 years who have a savings account in a bank or post office.

Under this scheme, subscribers receive a pension upon attaining the age of 60, with benefits expected to begin from 2035 onwards. As of October 31, 2025, the gross enrolment under APY stands at 8,34,13,738.

As of October 31, 2025, women subscribers constitute 4,04,41,135, which is approximately 48% of total enrolment, reflecting significant participation by women in the scheme.

Key Steps to Enhance Awareness and Coverage

The Government, in collaboration with the Pension Fund Regulatory and Development Authority (PFRDA), has implemented several measures to increase APY awareness and coverage across India, including in rural and remote areas:

• Media Outreach: Regular advertisements are published across print, electronic, and social media platforms to inform citizens about APY.
• Multilingual Information: An APY Subscribers Information Brochure is available in 13 vernacular languages to cater to diverse populations.
• Capacity Building Programs: Virtual training programs are organised for Banking Correspondents (BCs), bank field staff, Self Help Group (SHG) members, and bank-sakhis of State Rural Livelihood Missions (SRLMs) to propagate the scheme.
• Collaboration with Government Bodies: Various ministries, National Centre for Financial Education (NCFE), NABARD, National Rural Livelihood Mission (NRLM), and SRLMs actively promote APY.
• Digital Onboarding: Online platforms such as e-APY, net-banking, mobile apps, and bank web portals facilitate easy enrollment for subscribers.
• Pan-India Outreach: Regular APY awareness programs are conducted in coordination with banks, State Level Bankers’ Committees (SLBCs), and Lead District Managers (LDMs).
• Financial Inclusion Campaigns: Nationwide campaigns target pension saturation and aim to bring more citizens under the APY umbrella.

Implementation Framework

APY is implemented through the Department of Posts (DoP) and various banking institutions, including:

• Public Sector Banks
• Private Sector Banks
• Regional Rural Banks
• Small Finance Banks
• Payments Banks
• Cooperative Banks

How to Apply for Atal Pension Yojana?

1. One can also open an APY account online using one's Net banking facility.
2. The applicant can login to his/her internet banking account and search for APY on the dashboard.
3. Customer has to fill basic and Nominee details.
4. Customer has to give consent for auto debit of the premium from the account and submit the form.

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.