The Atal Pension Yojana (APY) is a pivotal pension scheme in India designed for workers in the unorganised and low-income sectors. As of 31 October 2025, the scheme has achieved a remarkable milestone with 8.34 crore enrolments. This achievement signifies an increasing awareness regarding pension security and the effectiveness of financial inclusion initiatives across the country.
Notably, women account for 48% of total subscribers, indicating a significant rise in female participation in long-term social security schemes.
Launched on 9 May 2015, the APY aims to provide universal social security to all citizens, particularly those facing income instability. Any Indian citizen aged between 18 and 40 years, holding a bank or post office savings account, is eligible to join the scheme. Subscribers will begin receiving monthly pensions upon reaching the age of 60, with disbursements starting from 2035 for those who enroll early.
The impressive surge in enrolments is attributed to various outreach initiatives spearheaded by the Government and the Pension Fund Regulatory and Development Authority (PFRDA). Key strategies enhancing awareness include:
These concerted efforts have strengthened last-mile access and simplified the registration process for potential subscribers.
The APY is implemented through a vast network of banking and financial institutions, including public and private banks, regional rural banks, cooperative banks, payments banks, small finance banks, and the Department of Posts. These institutions serve as Points of Presence – APY, facilitating subscriber enrolment and servicing, thus ensuring easy access for citizens.
Among the 8.34 crore enrolments, over 4.04 crore subscribers are women, making up 48% of total registrations. This statistic reflects a strong gender-balanced outreach and an increase in financial awareness among women, especially within self-help groups, rural communities, and among household earners.
Q1. What is the Atal Pension Yojana?
Answer: The Atal Pension Yojana is a pension scheme launched in India aimed at providing financial security to workers in unorganised and low-income sectors, enabling them to receive a pension after retirement.
Q2. What is the age limit to enroll in the APY?
Answer: Any Indian citizen aged between 18 and 40 years can enroll in the Atal Pension Yojana.
Q3. How many enrolments has the APY achieved as of 2025?
Answer: As of 31 October 2025, the Atal Pension Yojana has recorded 8.34 crore enrolments.
Q4. What percentage of APY subscribers are women?
Answer: Women constitute 48% of the total subscribers of the Atal Pension Yojana, representing over 4.04 crore enrolments.
Q5. When do pension payouts begin for APY subscribers?
Answer: Pension payouts for Atal Pension Yojana subscribers begin at the age of 60, starting from 2035 for those who enroll early.
Question 1: What is the main objective of the Atal Pension Yojana?
A) To provide housing loans
B) To ensure social security through pensions
C) To promote entrepreneurship
D) To enhance agricultural productivity
Correct Answer: B
Question 2: Which age group is eligible for enrollment in the APY?
A) 15 to 30 years
B) 18 to 40 years
C) 25 to 50 years
D) 30 to 60 years
Correct Answer: B
Question 3: How many crore subscribers are women in the APY as of 2025?
A) 2.5 crore
B) 4.04 crore
C) 6 crore
D) 8 crore
Correct Answer: B
Question 4: When does the pension payout start for APY subscribers?
A) Immediately after enrollment
B) At 55 years
C) At 60 years from 2035
D) At 65 years
Correct Answer: C
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