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GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
*****
LOK SABHA
STARRED QUESTION NO. *12
ANSWERED ON MONDAY, 01 DECEMBER, 2025/ AGRAHAYANA 10, 1947 (SAKA)
Beneficiaries Enroled under Atal Pension Yojana
*12. Shri Janardan Singh Sigriwal
Will the Minister of FINANCE be pleased to state:
(a) the total number of Atal Pension Yojana (APY) beneficiaries in the country till date along
with the number of new enrolments made in the country during the last five years, State-wise
including Bihar;
(b) the steps taken by the Government to promote Atal Pension Yojana in rural and remote areas
of Bihar and to create awareness of the Scheme among the unorganized sector workers and
other eligible populations;
(c) whether there has been any significant increase in the participation of women and small
farmers in APY in the country especially in Bihar and if so, the details thereof;
(d) the role of banking institutions and post offices in the implementation of APY in Bihar along
with the number of branches that are actively enroling people in the said Scheme; and
(e) the challenges faced/being faced in enrolment and maintenance of APY accounts in Bihar
along with the measures taken/being taken by the Government to address these challenges?
ANSWER
The Minister of Finance
(Smt. Nirmala Sitharaman)
(a) to (e) A Statement is laid on the Table of the House.
*******STATEMENT OF LOK SABHA STARRED QUESTION NO. *12 REGARDING
“BENEFICIARIES ENROLED UNDER ATAL PENSION YOJANA” RAISED BY SHRI
JANARDAN SINGH SIGRIWAL, ANSWERED ON 01.12.2025
(a) to (e) 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.
A list showing the number of new enrolments made in the country during the last five years, State-
wise including Bihar is at Annexure-I.
The Government and the Pension Fund Regulatory and Development Authority (PFRDA) have inter-
alia taken following steps to increase awareness and coverage of APY across the country including
rural and remote areas of Bihar:
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. During last five years such programmes have been conducted across
various districts of Bihar including in Muzaffarpur, Patna, Bhojpur, and Nalanda.
vii. Recently, financial inclusion campaigns for pension saturation were organized pan India
including 8093 such campaigns in the state of Bihar
As on 31.10.2025, the female gross enrolments under APY is 4,04,41,135 which is 48% of the total
enrolment. Further, in Bihar, the female gross enrolments under APY is 42,07,233, which is 57% of
the total enrolment in Bihar. The details of gender-wise enrolments made in the country including
Bihar is at Annexure-II. Further, the specific data related to small farmers participation in APY is not
captured under the Scheme.
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. As on
31.10.2025, a total of 7,153 Bank branches and 461 Post Office branches are enrolling people into
APY in Bihar
**********Annexure I
Lok Sabha Starred Question No. *12 regarding “Beneficiaries enroled under Atal Pension
Yojana” to be answered on 01.12.2025
State-wise gross enrolments under APY as on 31.10.2025, during the last five years
2025-26 Gross
Name of the
2021-22 2022-23 2023-24 2024-25 (as on enrolments
State/UT
31.10.2025) since inception
Bihar 9,36,541 10,07,521 10,77,242 10,18,964 5,63,955 73,44,480
Andaman & Nicobar
2,400 3,060 2,640 1,938 1,461 14,740
Islands
Andhra Pradesh 4,53,361 5,53,828 5,87,038 5,67,687 3,47,084 41,48,294
Arunachal Pradesh 4,289 4,702 6,176 6,331 4,071 39,432
Assam 2,44,472 3,19,839 3,44,974 2,67,047 1,67,040 20,05,665
Chandigarh 7,679 11,104 10,772 10,705 8,260 82,380
Chhattisgarh 1,66,617 2,11,631 2,42,147 2,55,067 1,94,313 15,89,555
Delhi 1,30,260 1,35,754 1,23,630 1,07,551 72,363 9,85,351
Goa 13,994 12,289 12,663 14,033 8,944 1,15,474
Gujarat 3,73,786 3,50,319 3,89,050 3,68,701 2,43,648 29,51,620
Haryana 2,25,190 2,99,591 2,60,372 2,58,456 1,73,002 18,60,377
Himachal Pradesh 93,101 96,048 85,160 80,353 48,174 6,11,729
Jammu & Kashmir 28,495 39,926 39,565 42,967 30,785 2,69,712
Jharkhand 3,25,835 3,56,675 3,50,253 3,94,426 2,32,626 24,92,572
Karnataka 5,40,405 5,88,750 5,86,194 6,42,178 4,51,811 47,45,625
Kerala 1,64,890 1,96,633 2,01,194 2,59,030 1,86,393 16,24,963
Ladakh 665 1,436 825 854 488 7,086
Lakshadweep 542 718 411 745 442 3,482
Madhya Pradesh 5,59,023 6,69,067 7,59,388 7,00,942 4,43,859 49,12,077
Maharashtra 8,47,346 14,06,970 14,56,984 13,10,776 7,02,441 80,42,402
Manipur 8,442 15,792 9,668 8,875 8,232 74,091
Meghalaya 8,878 9,833 11,906 12,455 12,182 84,616
Mizoram 3,104 2,612 4,339 6,073 5,729 33,356
Nagaland 5,945 6,581 5,988 5,794 4,572 42,947
Odisha 3,77,216 3,84,326 4,43,605 4,54,036 3,12,681 31,20,266
Puducherry 11,881 12,112 11,814 13,750 9,808 1,09,238
Punjab 2,65,458 3,56,352 3,35,064 3,39,840 2,44,006 24,33,802
Rajasthan 6,19,257 6,45,884 6,51,338 6,17,314 3,54,371 43,54,034
Sikkim 6,054 6,804 5,056 6,539 3,557 46,160
Tamil Nadu 6,32,761 6,75,639 6,93,896 6,77,981 5,01,496 54,30,604
Telangana 2,87,694 3,53,584 3,80,961 3,22,643 2,18,469 26,18,889
Dadra &Nagar
Haveli & Daman & 3,855 4,581 4,351 4,381 2,682 43,324
Diu
Tripura 33,211 43,598 47,873 64,895 21,275 3,07,074
Uttar Pradesh 16,98,985 21,23,472 20,85,729 18,54,678 11,11,982 1,35,40,417
Uttarakhand 1,15,370 1,46,571 1,34,360 1,10,370 69,542 8,91,202
West Bengal 7,14,477 8,77,783 9,30,864 9,29,952 5,61,513 64,36,702
Grand Total 99,11,479 1,19,31,385 1,22,93,490 1,17,38,327 73,23,257 8,34,13,738
Source PFRDAAnnexure II
Lok Sabha Starred Question No. *12 regarding “Beneficiaries enroled under Atal Pension
Yojana” to be answered on 01.12.2025
Gender-wise gross enrolments under APY as on 31.10.2025, since inception
Overall Country Data
Female
FY Female Male Transgender Grand Total
Ratio
2015-16 9,42,243 15,42,399 253 24,84,895 38%
2016-17 8,92,826 15,05,421 687 23,98,934 37%
2017-18 20,51,224 27,69,267 1,141 48,21,632 43%
2018-19 25,83,405 31,27,867 1,552 57,12,824 45%
2019-20 31,50,418 37,31,090 1,865 68,83,373 46%
2020-21 35,98,876 43,13,937 1,329 79,14,142 45%
2021-22 45,85,806 53,22,945 2,728 99,11,479 46%
2022-23 57,82,745 61,44,268 4,372 1,19,31,385 48%
2023-24 63,89,156 58,99,813 4,521 1,22,93,490 52%
2024-25 64,13,748 53,19,964 4,615 1,17,38,327 55%
2025-26
40,50,688 32,70,823 1,746 73,23,257 55%
(as on 31.10.2025)
Grand Total 4,04,41,135 4,29,47,794 24,809 8,34,13,738 48%
Bihar State Data
Female
FY Female Male Transgender Grand Total
Ratio
2015-16 1,01,126 1,51,616 18 2,52,760 40%
2016-17 1,17,274 1,37,692 31 2,54,997 46%
2017-18 2,59,721 2,22,473 59 4,82,253 54%
2018-19 2,54,239 2,14,912 51 4,69,202 54%
2019-20 3,04,556 2,56,803 84 5,61,443 54%
2020-21 3,91,268 3,28,282 52 7,19,602 54%
2021-22 5,26,705 4,09,740 96 9,36,541 56%
2022-23 5,75,052 4,32,331 138 10,07,521 57%
2023-24 6,56,008 4,21,084 150 10,77,242 61%
2024-25 6,41,070 3,77,720 174 10,18,964 63%
2025-26
3,80,214 1,83,691 50 5,63,955 67%
(as on 31.10.2025)
Grand Total 42,07,233 31,36,344 903 73,44,480 57.28%
Source PFRDA