What is the age limit for Atal Pension Yojana?

Any Indian citizen between the age of 18 and 40 years can join the APY scheme.

How much pension will I get in APY?

You can choose a fixed pension amount of ₹1000, ₹2000, ₹3000, ₹4000, or ₹5000 per month, which starts after the age of 60.

Atal Pension Yojana (APY) 2026: Chart, Calculator & Apply Online

Atal Pension Yojana (APY) 2026

Guaranteed Pension of ₹1,000 to ₹5,000 per month.
Start investing with as low as **₹42/month**.

💻 Apply Online 📊 Check Chart 🧮 Calculator

Atal Pension Yojana 2026 Chart and Calculator

The Atal Pension Yojana (APY) is a government-backed pension scheme focused on the unorganized sector. It guarantees a fixed monthly pension to subscribers starting from the age of 60 years. If you are between 18 and 40 years old, you can secure your old age with a very small monthly investment.

📢 2026 Tax Benefit: Contributions made to APY are eligible for additional tax deduction of up to **₹50,000** under Section 80CCD(1B), over and above the ₹1.5 Lakh limit of Section 80C.

APY Contribution Chart 2026

The amount you need to pay depends on your Entry Age and the Pension Amount you choose. The earlier you join, the less you pay.

Entry Age	For ₹1,000 Pension (Monthly Inv.)	For ₹3,000 Pension (Monthly Inv.)	For ₹5,000 Pension (Monthly Inv.)
18 Years	₹ 42	₹ 126	₹ 210
25 Years	₹ 76	₹ 228	₹ 376
30 Years	₹ 116	₹ 347	₹ 577
35 Years	₹ 181	₹ 543	₹ 902
39 Years	₹ 264	₹ 792	₹ 1,318

*Note: Contributions end at age 60.

The Triple Benefits of APY

Unlike private schemes, APY offers security to the entire family:

For Subscriber (You): Guaranteed pension (₹1k-₹5k) from age 60 until death.
For Spouse (Wife/Husband): If you die, your spouse gets the SAME pension amount for their lifetime.
For Nominee (Children): After the death of both (you and spouse), the accumulated corpus (up to ₹8.5 Lakhs) is returned to the nominee.

Who Can Apply?

Citizenship: Must be an Indian Citizen.
Age: Minimum 18 years, Maximum 40 years.
Bank Account: Must have a Savings Account (Jan Dhan or Regular).
Exclusion: Taxpayers (who pay income tax) are NOT eligible to join APY from Oct 1, 2022.

Pension Calculator Example

Let’s calculate the return on investment for a ₹5,000 Pension plan if you join at age 25:

Monthly Investment: ₹376
Years to Pay: 35 Years (60 – 25)
Total You Pay: ₹376 x 12 x 35 = ₹ 1.58 Lakhs (approx)
Total Benefit:
- Pension: ₹60,000/year for life.
- Corpus Return to Family: ₹ 8.5 Lakhs.

Verdict: You get your total investment back in just 3 years of pension!

How to Open APY Account

You can open it online via Net Banking or offline at any bank.

Online (e-NPS): Visit your bank’s Net Banking > Services > Social Security Schemes > Atal Pension Yojana. Fill in the nominee details and click “Subscribe”.
Offline: Visit your bank branch. Ask for the “APY Registration Form”. Fill it out and authorize Auto-Debit.

Conclusion

The Atal Pension Yojana 2026 is the safest retirement tool for the common man. By saving just ₹7 per day (at age 18), you can secure a dignified life with a ₹5,000 monthly pension. Start today!