Parliament Question: Implementation of Atal Pension Yojana in Unorganised Sector

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 2361 ANSWERED ON MONDAY, 3 AUGUST, 2026/ SHRAVANA 12, 1948 (SAKA) Implementation of Atal Pension Yojana in Unorganised Sector 2361. SHRI B Y RAGHAVENDRA Will the Minister of Finance be pleased to state: (a) the details regarding the implementation of Atal Pension Yojana to provide old-age income security to workers in the unorganised sector; (b) the gross number of subscribers enrolled under the Scheme since its inception along with the number of women subscribers enrolled, State-wise and district-wise particularly for Karnataka; (c) whether the Scheme has witnessed steady growth in enrolment over the decade since its inception, including increasing participation of women and youth from the unorganised sector, if so, the details thereof; (d) the total accumulated corpus under the Scheme at the national level as on date; (e) the measures taken to increase awareness and enrolment among unorganised sector workers, particularly women and those engaged in agriculture and allied activities in rural areas; and (f) whether enrolment is facilitated through bank and post office savings accounts and if so, the details thereof? ANSWER MINISTER OF STATE FOR FINANCE (SHRI PANKAJ CHAUDHARY) (a) The 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. For better targeting of guaranteed pension to unorganised sector workers, an income tax payer shall not be eligible to join APY from 01.10.2022. The Scheme offers flexible minimum guaranteed pension of Rs. 1,000, Rs. 2,000, Rs. 3,000, Rs. 4000, and Rs. 5,000 per month and accordingly per month subscription amount varies from Rs. 42 to Rs, 1454 based on age of joining and pension amount chosen. Subscribers become eligible to receive pension benefits upon attaining the age of 60 years, provided that all due contributions have been made up to that age. (b) As on 30.06.2026, gross enrolments under APY, since its inception, are 9,29,47,723, out of which 4,56,98,133 are women. The details of State-wise gross enrolments in the country and district-wise gross enrolments for the State of Karnataka under APY, since inception, are at Annexure I and Annexure II respectively. (c) The Scheme has witnessed steady growth in enrolment over the decade, since its inception, including participation of women and youth. The details are at Annexure III. (d) As on 30.06.2026, the Asset under Management under APY is approximately Rs. 57,296 crores.(e) 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 women and among those engaged in agriculture and allied activities in rural areas: (i) Subscriber Awareness Programs in Hindi, English and other languages being organized for APY subscribers. (ii) APY outreach programmes are conducted regularly in coordination with Banks and State Level Bankers' Committees (SLBCs)/ Lead District Managers (LDMs) at pan India level. (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) Periodic advertisements are published in print, electronic, and social media for awareness creation. (v) APY Subscribers Information Brochure is available in 13 languages. (vi) Regular monitoring of Banks and State Level Bankers Committees (SLBCs)/State-coordinators of Banks/ Lead District Managers (LDMs) w.r.t the allocated annual targets. (vii) Performance Review meetings with APY-Service Providers/SLBCs/ Union Territory Level Bankers Committees (UTLBCs)/LDMs. (viii) 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. (ix) APY dedicated call centre of PFRDA and Central Recordkeeping Agency (CRA)/PFRDA. (x) Chatbot option for APY subscribers. (f) The Scheme has been rolled out throughout the country covering all the State/UT and districts. It is being implemented through the banking institutions, including Public Sector Banks, Private Sector Banks, Regional Rural Banks, Small Finance Banks, Payments Banks, Cooperative Banks and Department of Posts. ****Annexure I Annexure-I referred to in Lok Sabha Unstarred Question No. 2361 regarding “Implementation of Atal Pension Yojana in Unorganised Sector” answered on 03.08.2026 State-wise gross enrolments under APY, along with the number of women subscribers, as on 30.06.2026, since inception Name of the State Female Gross Enrolment Andaman and Nicobar Islands 7,090 16,696 Andhra Pradesh 28,09,212 46,10,043 Arunachal Pradesh 22,150 45,377 Assam 13,39,456 22,87,880 Bihar 49,93,649 85,36,014 Chandigarh 35,280 93,243 Chhattisgarh 9,87,866 18,39,375 Delhi 4,45,012 11,24,049 Goa 53,842 1,35,538 Gujarat 10,86,880 33,59,551 Haryana 8,29,533 21,17,638 Himachal Pradesh 2,75,560 6,91,716 Jammu and Kashmir 1,06,101 3,16,130 Jharkhand 18,29,743 31,34,717 Karnataka 25,10,470 52,72,744 Kerala 10,00,544 18,59,757 Ladakh 2,834 8,101 Lakshadweep 1,560 4,080 Madhya Pradesh 29,13,243 57,56,238 Maharashtra 29,17,072 65,60,192 Manipur 43,522 82,004 Meghalaya 59,811 1,07,165 Mizoram 23,515 43,810 Nagaland 23,942 48,612 Odisha 20,54,962 36,68,657 Puducherry 68,215 1,20,557 Punjab 11,52,592 27,92,918 Rajasthan 19,24,071 49,94,930 Sikkim 23,898 50,892 Tamil Nadu 34,62,320 60,62,042 Telangana 15,39,451 29,13,708 The Dadra and Nagar Haveli and Daman and Diu 8,950 47,749 Tripura 1,97,849 3,56,337 Uttar Pradesh 62,61,681 1,54,21,181 Uttarakhand 3,96,245 10,01,376 West Bengal 42,90,012 74,66,706 Grand Total 4,56,98,133 9,29,47,723 Source: PFRDA *****Annexure II Annexure-II referred to in Lok Sabha Unstarred Question No. 2361 regarding “Implementation of Atal Pension Yojana in Unorganised Sector” answered on 03.08.2026 District-wise gross enrolments under APY, along with the number of women subscribers, in the State of Karnataka, as on 30.06.2026, since inception Name of District of Karnataka Female Gross Enrolment Bengaluru Urban 3,03,774 7,17,587 Belagavi 1,92,262 4,16,092 Mysuru 1,38,835 2,62,995 Dakshina Kannada 99,536 2,22,182 Kalaburagi 1,07,199 2,14,331 Tumakuru 1,05,152 1,90,978 Vijayapura 78,233 1,74,792 Dharwad 80,662 1,73,518 Hassan 85,054 1,69,534 Bagalkote 70,695 1,62,055 Shivamogga 79,584 1,58,401 Chitradurga 81,473 1,57,570 Raichur 70,160 1,55,131 Haveri 67,309 1,54,329 Udupi 73,092 1,54,430 Mandya 72,844 1,49,766 Davangere 74,500 1,50,346 Ballari 70,357 1,50,187 Uttara Kannada 71,539 1,41,052 Bidar 73,880 1,34,670 Chikkamagaluru 57,798 1,19,255 Koppal 53,996 1,18,957 Kolar 57,056 1,14,014 Gadag 50,042 1,10,797 Vijayanagar 48,476 1,03,795 Bengaluru Rural 49,056 1,00,557 Yadgir 39,873 86,599 Chikkaballapura 43,670 85,453 Ramanagara 39,486 81,614 Chamarajanagara 43,777 80,183 Kodagu 31,100 61,574 Grand Total 25,10,470 52,72,744 Source: PFRDA *****Annexure III Annexure-III referred to in Lok Sabha Unstarred Question No. 2361 regarding “Implementation of Atal Pension Yojana in Unorganised Sector” answered on 03.08.2026 Enrolments under APY since inception Financial Year Female Enrolment 2015-16 9,42,244 24,84,895 2016-17 8,92,846 23,98,934 2017-18 20,51,246 48,21,632 2018-19 25,83,404 57,12,824 2019-20 31,50,428 68,83,373 2020-21 35,98,906 79,14,142 2021-22 45,86,500 99,11,479 2022-23 57,83,964 1,19,31,385 2023-24 63,90,998 1,22,93,490 2024-25 64,14,051 1,17,38,327 2025-26 74,47,015 1,35,13,713 2026-27 (as on 30.06.2026) 18,56,531 33,43,529 Grand Total 4,56,98,133 9,29,47,723 Source: PFRDA *****