Who Can Join?
- Age group 18–40 years
- Must hold a Savings Bank Account
- Aadhaar & Mobile number mandatory
- Not covered under statutory social security schemes (like EPF/NPS)
States with Strong APY Promotion
- Uttar Pradesh – Drives for farmers, laborers, vendors
- Tamil Nadu – Focus on SHG women & rural workers
- Karnataka – Panchayat & industrial area awareness programs
- Maharashtra – Special camps for drivers, hawkers, domestic helpers
- Kerala – Enrollments via cooperatives & Kudumbashree
- Bihar – Targeting migrant workers & shopkeepers
Documents Needed
- Aadhaar Card
- Savings Bank Passbook / Statement
- Linked Mobile Number
- Proof of Age (Birth/School Certificate or Aadhaar)
- Passport-size Photo
Key Benefits
- Pension of ₹1,000 – ₹5,000/month after 60 years
- Govt. co-contribution (for early subscribers till Mar 2016)
- Security for unorganized sector workers
- Nominee facility available
- Small monthly contribution (as low as ₹42)
Enrollment Process
- Visit Bank / Post Office
- Fill APY Form & select pension slab
- Submit documents
- Authorize auto-debit from savings account
- Receive official confirmation
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