What is Atal Pension Yojana?

APY is a government-backed pension scheme for unorganised sector workers aged 18–40, guaranteeing ₹1,000–5,000 monthly pension after age 60.

How is APY contribution decided?

Based on entry age and target pension. Joining earlier means lower monthly contribution for the same pension.

Yes — contributions are eligible under Section 80CCD(1B) up to ₹50,000 over and above the 80C limit.

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Plan a guaranteed monthly pension after 60.

Reviewed by Nisha SLast verified 6 Sept 2026RBI-compliantFact-check policy

Monthly Contribution₹376

₹42₹1454

Current Age25 yrs

1840

Expected Return %8%

6%12%

Years of Contribution35 yrs

Total Invested₹1,57,920

Corpus at 60₹8,68,250

Estimated Monthly Pension₹4,341

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Personalised plan in 60 seconds.

APY guarantees ₹1,000–5,000 monthly pension after 60, based on age of joining and contribution.

Corpus via SIP formula; pension ≈ 6% annuity / 12.

Everything you need to know about the APY Calculator.

Results are illustrative estimates for planning. Actual figures depend on bank/AMC terms, taxes and market conditions.