Atal Pension Yojana: Earn with Govt Introduces New Simplified Form from October 1 — Check Eligibility and Benefits

Starting October 1, 2025, the government has introduced a new, simplified registration form to make joining the scheme easier, faster, and more transparent. The old form has been discontinued from September 30, 2025.

This update is particularly beneficial for those in the unorganised sector, as the APY offers a guaranteed monthly pension between ₹1,000 and ₹5,000 after the age of 60.

The new form complies with the latest PFRDA (Pension Fund Regulatory and Development Authority) and Protean (NSDL) guidelines, featuring smoother verification, automatic FATCA/CRS checks, and easier postal account linking — cutting down paperwork and helping more Indians secure their retirement.

🔹 Key Highlights of the New APY Registration Form

1.    Updated as per PFRDA norms: The form follows the latest guidelines for better compliance and transparency.

2.    Mandatory FATCA/CRS declaration: Applicants must confirm their residency status, ensuring only eligible Indian citizens can apply.

3.    Postal account linkage: Only Indian residents can now open APY accounts through post offices linked to postal savings.

4.    Simplified design: The revised format makes registration faster and user-friendly.

👷 Designed for the Unorganised Workforce

The Atal Pension Yojana was created to provide a social security net for unorganised sector workers. Depending on contributions, subscribers receive a fixed monthly pension of ₹1,000–₹5,000 after turning 60.

• Eligibility: Open to citizens aged 18 to 40 years.
• Contribution Example:
• At age 18: ₹42–₹210 per month.
• At age 40: ₹291–₹1,454 per month.

Subscribers can choose to make payments monthly, quarterly, or half-yearly, which are auto-debited from their accounts for convenience.

📌 Note: Since October 1, 2022, taxpayers are not eligible for APY.

📜 Background

The Atal Pension Yojana was first announced in the 2015–16 Union Budget to extend pension coverage to India’s poor and unorganised workforce.
Launched on May 9, 2015, and effective from June 1, 2015, the scheme remains a key pillar of India’s vision for a universal social security system.