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Open To All Non-Tax Paying Citizens Of India

Who own a savings account.

Guaranteed Minimum Pension

Between ₹1,000 - ₹5,000 per month from the age of 60 years until death of the account holder.

Benefits For Spouse Up To ₹5,000 Per Month

In case of subscriber's demise,

after 60 years of age.

Return Of Pension Wealth To Nominees

Nominee receives the pension in case of demise of both subscriber, after 60 years of age, and their spouse.

Auto-Debit Facility

For payment of contributions to the scheme.

Guaranteed Pension Scheme

Backed by government authorities.

Secure Investment Of Funds

Pay direct taxes or GST and generate tax reports online.

Payout Provided Even On Voluntary Exit From Scheme

NPS Grievance Reporting Mechanism

Things to know

Eligibility

Atal Pension Yojana is Open to all Non- Tax Paying Citizens of India (applicable from 1st Oct’22) who have a Savings Account. The minimum age of joining Atal Pension Yojana is 18 years and maximum age is 40 years.

Fees, Charges And Overdue Interest Under Atal Pension Yojana

The fees, charges and the overdue interest for non-payment or delayed payment of prescribed contribution amount is levied on the subscribers of Atal Pension Yojana. These charges and their method of application shall be prescribed by PFRDA from time to time, in consultation with the Central Government.

Investment Of the Contributions Under Atal Pension Yojana

The amount collected under Atal Pension Yojana is invested as per the investment pattern specified by the Central Government from time to time.

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Why AU

  • <p>National presence</p>

    National presence

    Bank with us across 1042 branches & ATMs.

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    Visit branches without the wait

    Our ample touchpoints ensure all our customers are conveniently served.

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    Superfast app

    Manage and track all your transactions on the AU 0101 App.

  • <p>Sustained growth</p>

    Sustained growth

    Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.

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Guaranteed minimum pension

On completion of 60 years, you, as a subscriber, will get the guaranteed minimum monthly pension, or higher monthly pension, depending on the investment returns. In exceptional circumstances, i.e. in the event of death of beneficiary or specified illnesses, as mentioned in the Pension Fund Regulatory and Development Authority (Exits and Withdrawals under the National Pension System) Regulations, 2015, before the age of 60 years, the accumulated pension wealth till date would be given to the nominee or the subscriber, as the case may be.

Benefits for spouse up to ₹5,000 per month

In case of the subscriber's death post 60 years of age, the spouse is liable to receive the same pension as that of the subscriber until the death of the spouse.

Auto-debit facility

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    Subscribers are required to pay the contribution toward Atal Pension Yojana via an auto-debit facility from their savings account.

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    Payments are required to be made on a monthly, quarterly or half-yearly frequency till the age of 60 years.

NPS Grievance Reporting Mechanism

1. Customer can call at – 1800 1200 1200

2. Customer can log the Grievance using NPS Application of CRA

a. Customer can log in to the application

b. Customer to click on Support

c. Select grievance category from the menu

d. Select Grievance sub-category and provide grievance description

e. Upload attachment if any and click on submit to submit the grievance

3. Customer can submit the grievance form at the AU Small Finance Bank branch (Download the form)

4. Customer can write to us – customercare@aubank.in

5. Customer can also connect with our Nodal Officers Click here for details

Guaranteed pension scheme

The Atal Pension Yojana scheme is administered by the Pension Fund Regulatory and Development Authority (PFRDA) under the overall architecture of the National Pension Scheme (NPS).

Payout provided even on voluntary exit from scheme

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    In case you, as a subscriber, have availed government co-contribution under Atal Pension Yojana and choose to voluntarily exit Atal Pension Yojana before the age of 60 years, you will only be refunded the contribution made by you to Atal Pension Yojana, along with the net actual interest earned on your contributions (after deducting the account maintenance charges).

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    However, the government co-contribution and the interest earned on the government co-contribution, will not be returned to you.
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