**Executive Summary**
This report, dated December 1, 2025, from PIB Delhi, announces that the Atal Pension Yojana (APY) has surpassed 8.34 crore enrolments, with women accounting for 48% of the total. It highlights the awareness campaigns, vernacular outreach, capacity-building initiatives, and digital onboarding channels contributing to APY adoption nationwide. Pension benefits under APY are expected to start from 2035 onwards.
**Key Points / Main Content**
* **APY Overview:**
* Launched on May 9, 2015, to create a universal social security system for all Indians, particularly the poor, under-privileged, and unorganised sector workers.
* Open to Indian citizens aged 18-40 with a savings account in a bank or post office.
* Subscribers receive pension benefits upon reaching 60 years of age, with benefits starting from 2035.
* Gross enrolment as of October 31, 2025, is 8,34,13,738.
* **Awareness and Coverage Initiatives:**
* Periodic advertisements in print, electronic, and social media.
* APY Subscriber Information Brochure available in 13 vernacular languages.
* Virtual capacity building programs for Banking Correspondents (BCs), field staff of Banks, Self Help Group (SHG) members and bank-sakhis of State Rural Livelihoods Missions (SRLMs).
* Engagement of Ministries of Government of India, NCFE, NABARD, NRLM, and SRLM to spread awareness.
* Activation of online channels like e-APY, net-banking, mobile app, and bank web-portals.
* Regular APY outreach programs in coordination with Banks and SLBCs/LDMs.
* Financial inclusion campaigns for pension saturation organized pan India.
* **Female Enrolment:**
* Female gross enrolments under APY is 4,04,41,135 as of October 31, 2025, representing 48% of total enrolments.
* **Implementation:**
* Implemented through the Department of Posts (DoP) and banking institutions.
* Includes Public Sector Banks, Private Sector Banks, Regional Rural Banks, Small Finance Banks, Payments Banks, and Cooperative Banks.
* Institutions are registered as Points of Presence – APY (PoP-APY) with PFRDA and are responsible for distribution and servicing of APY subscribers.
**Impact Analysis**
**Stakeholder:** Potential APY Subscribers
**Impact:** Increased awareness and access to a pension scheme for financial security in old age.
**Action Required:** Understand the scheme, enrol through eligible banks or post offices, and maintain a savings account.
**Stakeholder:** Banks and Financial Institutions (PoP-APY)
**Impact:** Responsible for distributing APY and servicing APY subscribers.
**Action Required:** Implement APY processes, conduct outreach programs, and provide support to subscribers.
**Stakeholder:** PFRDA (Pension Fund Regulatory and Development Authority)
**Impact:** Regulatory oversight and promotion of APY.
**Action Required:** Monitor APY implementation, support awareness campaigns, and manage the scheme's operations.
**Stakeholder:** Government (Ministries of Government of India, NCFE, NABARD, NRLM, SRLM)
**Impact:** Active role in spreading awareness and coverage of APY.
**Action Required:** Continue engagement in APY promotion through various initiatives and programs.
Key Entities Referenced
Atal Pension Yojana (APY): A pension scheme aimed at creating a universal social security system for all Indians, especially the poor and unorganised sector workers.
Pension Fund Regulatory and Development Authority (PFRDA): The regulator overseeing the implementation and awareness of the Atal Pension Yojana.
Ministry of Finance: The ministry responsible for the policy and administration of the Atal Pension Yojana.
Department of Posts (DoP): One of the key agencies implementing the Atal Pension Yojana.
National Bank for Agriculture and Rural Development (NABARD): One of the agencies spreading awareness and coverage of APY.
Ministry of Finance
Atal Pension Yojna crosses 8.34 crore
enrolments; Women account for 48%
Awareness campaigns, vernacular outreach, capacity-
building initiatives and digital onboarding channels are
bolstering APY adoption nationwide
प्रव तथ: 01 DEC 2025 8:14PM by PIB Delhi
Atal Pension Yojana (APY) was launched on 09.05.2015, with the objective of creating a universal social
security system for all Indians, especially the poor, the under-privileged and the workers in the
unorganised sector. It is open to all citizens of India between 18-40 years of age having a savings account
in a bank or post-office. As per the Scheme, subscriber will receive pension benefit on attaining the age of
60 years. Hence, the pension benefit under APY is expected to start from 2035 onwards. However, the
gross enrolment under Atal Pension Yojana as on 31.10.2025 is 8,34,13,738.
The Government and the Pension Fund Regulatory and Development Authority (PFRDA) have interalia
taken following steps to increase awareness and coverage of APY across the country including rural and
remote areas:
i. Periodic advertisements are published in print, electronic, and social media for awareness
creation.
ii. APY Subscribers Information Brochure in 13 vernacular languages.
iii. Virtual capacity building programs for Banking Correspondents (BCs) and field staff of
Banks, Self Help Group (SHG) members, bank-sakhis of State Rural Livelihoods Missions
(SRLMs) are being organised to propagate APY among the eligible beneficiaries.
iv. Various Ministries of Government of India, National Centre for Financial Education (NCFE),
National Bank for Agriculture and Rural Development (NABARD), National Rural
Livelihood Mission (NRLM) and SRLM are engaged to spread awareness and coverage of
APY.
v. Activating online channels such as e-APY, net-banking, mobile app and bank’s web-portal,
for easy online onboarding.
vi. APY outreach programmes are conducted regularly in coordination with Banks and SLBCs/
LDMs at pan India level.
vii. Recently, financial inclusion campaigns for pension saturation were organized pan India.
As on 31.10.2025, the female gross enrolments under APY is 4,04,41,135 which is 48% of the total
enrolment. APY is being implemented through the Department of Posts (DoP) and banking institutions
including Public Sector Banks, Private Sector Banks, Regional Rural Banks, Small Finance Banks,
Payments Banks, Cooperative Banks. These institutions are registered as Points of Presence – APY (PoP-
APY) with PFRDA and are responsible for distribution of APY and servicing of APY subscribers.This information was given by Union Minister of Finance Smt Nirmala Sitharaman in a reply to a question
in Lok Sabha today.
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