Atal Pension Yojana Chart 2026

The Atal Pension Yojana (APY) is a government-supported pension scheme mainly meant to give old-age income security to people working in the unorganized sector. For many workers who don’t have any fixed retirement plan, this scheme becomes very useful.

As of January 21, 2026, the Union Cabinet has officially approved the extension of the Atal Pension Yojana up to the financial year 2030–31, which is a big relief for existing and new subscribers.

Below you can check the updated APY contribution chart for 2026, which shows how much monthly contribution is needed to get a guaranteed pension of ₹1,000 to ₹5,000 after retirement.

APY Contribution Chart 2026 (Monthly Plan)

The amount you contribute depends on your entry age. The earlier you start, the lower your monthly premium will be.

Entry Age	Years of Contribution	₹1,000 Pension	₹2,000 Pension	₹3,000 Pension	₹4,000 Pension	₹5,000 Pension	Indicative Corpus for Nominee
18 Years	42 Years	₹42	₹84	₹126	₹168	₹210	₹8.5 Lakh
20 Years	40 Years	₹50	₹100	₹150	₹198	₹248	₹8.5 Lakh
25 Years	35 Years	₹76	₹151	₹226	₹301	₹376	₹8.5 Lakh
30 Years	30 Years	₹116	₹231	₹347	₹462	₹577	₹8.5 Lakh
35 Years	25 Years	₹181	₹362	₹543	₹722	₹902	₹8.5 Lakh
39 Years	21 Years	₹264	₹528	₹792	₹1,054	₹1,318	₹8.5 Lakh
40 Years	20 Years	₹291	₹582	₹873	₹1,164	₹1,454	₹8.5 Lakh

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Key Scheme Details (2026 Update)

• Eligibility: Open to Indian citizens aged 18 to 40 years.

• Income Tax Exception: Since October 2022, income taxpayers are not eligible to join this scheme. If a person joins and is later found to be a taxpayer, the account will be closed and only the accumulated savings will be returned.

• Guaranteed Benefits:

  • To Subscriber: Monthly pension (₹1k–₹5k) after age 60.

  • To Spouse: After the subscriber’s death, the spouse receives the exact same pension amount for life.

  • To Nominee: After the death of both the subscriber and the spouse, the accumulated corpus (up to ₹8.5 Lakh) is returned to the nominee.

• Extension: The scheme has been extended to FY 2030-31, ensuring long-term sustainability and “gap funding” from the central government if investment returns are lower than expected.

How to Apply

1. Bank/Post Office: Visit any bank or post office where you have a savings account.

2. Net Banking: Most major banks (SBI, HDFC, ICICI, etc.) allow you to open an APY account instantly through their mobile app or website.

3. e-APY: You can also register digitally through the NPS CRA (NSDL) portal using Aadhaar-based OTP verification.

Note: It is mandatory to link your Aadhaar and Mobile Number to the account for seamless auto-debit of contributions and regular SMS updates.