What is the Atal Pension Yojana (APY) and who can join?

APY is a government-backed pension scheme launched in May 2015 to provide social security. Citizens aged 18-40 with a bank or post-office savings account can join, provided they are not income-tax payers.

How many women are subscribers to the Atal Pension Yojana?

As of October 31, 2025, women constitute 48% of the total 8.34 crore subscribers to the Atal Pension Yojana.

What is the guaranteed pension amount under APY?

Subscribers can receive a guaranteed minimum pension of ₹1,000 to ₹5,000 per month after turning 60, until death.

Home / Business and Economy / Women Lead APY Surge: Old Age Security Secured

Women Lead APY Surge: Old Age Security Secured

14 Dec

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Summary

Female APY subscribers reach 48% of total, nearing PMJDY levels.
Women's new APY enrollments exceeded men's in FY24 and FY25.
APY offers guaranteed pension from ₹1,000 to ₹5,000 post-retirement.

Women Lead APY Surge: Old Age Security Secured

Women in India are making significant strides in securing their financial future, with a notable increase in participation in the Atal Pension Yojana (APY). Launched in May 2015, APY aims to provide a universal social security net, particularly for the unorganized sector. Recent data indicates that female subscribers now account for 48% of APY's 8.34 crore members as of October 31, 2025, mirroring their strong presence in the Pradhan Mantri Jan Dhan Yojana.

An emerging trend shows that the addition of female subscribers to APY has outpaced that of males in the last two fiscal years. In FY24 and FY25, women constituted 52% and 55% of new enrollments, respectively, a pattern that has continued into the current fiscal year. This signifies a growing emphasis on old-age income security among Indian women.

The APY scheme offers a guaranteed minimum pension ranging from ₹1,000 to ₹5,000 per month after the age of 60, with provisions for spousal and nominee continuation. Supported by public sector banks and aligned with other financial inclusion initiatives, APY is playing a crucial role in empowering the underprivileged and unorganized workforce towards a secure retirement.