The government has made an important change in Atal Pension Yojana (APY) which has come into effect from October 1, 2025. Now only the new registration form will be valid for this pension scheme. The old form has been discontinued after 30 September 2025. Three main changes have been made in the new form. First, now FATCA/CRS Declaration has been made mandatory, so that it can be ensured that the applicant is not a foreign citizen or tax resident. The second change is that only Indian residents will be able to open accounts through Post Office, because these accounts are linked to Postal Savings Account. Third, the new form has been designed according to Protean (NSDL), so that the registration process can be more smooth and transparent. Atal Pension Yojana has been specially designed for the workers in the unorganized sector. In this, after the age of 60 years, a guaranteed pension of ₹ 1000 to ₹ 5000 is available. You can contribute monthly, quarterly or half-yearly. Note that if you are a taxpayer, you cannot join this scheme.

Think, get a guaranteed pension of ₹ 5,000 every month in Old Age – Bina Kisi Dikkat Ke! Atal Pension Yojana (APY) is a Government-Backed Scheme, which is for 18 to 40 years of non-taxpayers. In this, you can find a monthly pension ranging from ₹ 1,000 to ₹ 5,000, depending on Aapka Monthly Contribution. The sooner we start, the less the contribution will be. Just the Active Bank Account, Aadhaar and Mobile Number are needed, and the contribution will be directly deducted from the bank. This scheme is only for non-taxpayers. If you want the retirement tension-free, then APY is a smart and secure option.