What is Atal Pension Yojana?
The Atal Pension Yojana (APY) is a guaranteed pension scheme governed by the PFRDA (Pension Fund Regulatory and Development Authority). It guarantees a fixed monthly pension ranging from ₹1,000 to ₹5,000 after the age of 60.
Intelligence Insight: APY is one of the lowest-risk retirement instruments in India. The earlier you start (at age 18), the significantly lower your monthly contribution becomes—making it an essential building block for base retirement security.