Lok Sabha Question No. 2656 (UNSTARRED), answered on 2026-03-09
Subject: Beneficiaries of Atal Pension Yojana
Ministry: FINANCE
Asked by: Shri Ujjwal Raman Singh

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO. †2656

ANSWERED ON MONDAY, MARCH 9, 2026/PHALGUNA 18, 1947 (SAKA)

## Beneficiaries of Atal Pension Yojana

## †2656.   SHRI UJJWAL RAMAN SINGH

Will the Minister of Finance be pleased to state:

- (a) the total number of beneficiaries of the Atal Pension Yojana in the country so far along with the number of enrolments across the country during the last three  years, State-wise including Uttar Pradesh;
- (b) the steps taken by the Government to promote the Atal Pension Yojana in rural and remote areas of Uttar Pradesh and to create awareness about the scheme among unorganized sector workers and other eligible populations;
- (c) whether there has been a significant increase in the participation of women and small farmers in the Atal Pension Yojana (APY) across the country, especially in Uttar Pradesh and if so, the details thereof; and
- (d) the role of banking institutions and post offices in implementing the APY in Uttar Pradesh and the number of branches actively enrolling people in the scheme?

## ANSWER

## MINISTER OF STATE FOR FINANCE (SHRI PANKAJ CHAUDHARY)

- (a) Atal Pension Yojana (APY) was launched on 09.05.2015, with the objective of creating a universal social  security  system  for  all  Indians,  especially  the  poor,  the  under-privileged  and  the  workers  in  the unorganised sector. It is open to all citizens of India between 18-40 years of age having a savings account in a bank or post-office. As per the Scheme, subscriber will receive pension benefit on attaining the age of 60 years. Hence, the pension benefit under APY is expected to start from 2035 onwards. However, the gross enrolment under Atal Pension Yojana so far (as on 31.01.2026) is 8,71,74,743. A list showing the number of new enrolments made in the country during the last  three  years, State-wise including Uttar Pradesh is at Annexure-I.
- (b) The Government and the Pension Fund Regulatory and Development Authority (PFRDA) have interalia taken following steps to increase awareness and coverage of APY across the country including rural and remote areas of Uttar Pradesh:
- i. Periodic advertisements are published in print, electronic, and social media for awareness creation.
- ii. APY Subscribers Information Brochure in 13 vernacular languages.
- iii. Virtual capacity building programs for Banking Correspondents (BCs) and field staff of Banks, Self Help Group (SHG) members, bank-sakhis of State Rural Livelihoods Missions (SRLMs) are being organised to propagate APY among the eligible beneficiaries.
- iv. Various Ministries of Government of India, National Centre for Financial Education (NCFE), National Bank  for  Agriculture  and  Rural  Development  (NABARD),  National  Rural  Livelihood  Mission (NRLM) and SRLM are engaged to spread awareness and coverage of APY.
- v. Activating online channels such as e-APY, net-banking, mobile app and bank's web-portal, for easy online onboarding.
- vi. APY  outreach  programmes  are  conducted  regularly  in  coordination  with  Banks  and  State  Level Bankers' Committees (SLBCs)/ Lead District Managers (LDMs) at pan India level. During last three years  such  programmes  have  been  conducted  across  various  districts  of  Uttar  Pradesh  including Ayodhya, Gorakhpur, and Meerut.
- vii. Recently, financial inclusion campaigns for pension saturation were organized pan India including in the State of Uttar Pradesh with Banks utilizing the large network of Financial Literacy Centers for increasing awareness about pension and APY.

(c) As on 31.01.2026, the female gross enrolments under APY is 4,25,13,682 which is 48.76% of the total enrolment. Further, in Uttar Pradesh, the female gross enrolments under APY is 58,25,624, which is 40% of the total enrolment in Uttar Pradesh. The details of State-wise gross enrolments of women made under APY, including Uttar Pradesh, during the last three  years,  is  at  Annexure-II.  Further, the specific  data related to small farmers participation in APY is not captured under the Scheme.

(d) APY is being implemented through the Department of Posts (DoP) and banking institutions including Public Sector Banks, Private Sector Banks, Regional Rural Banks, Small Finance Banks, Payments Banks, Cooperative Banks. These institutions are registered as Points of Presence - APY (PoP-APY) with PFRDA and are responsible for distribution of APY and servicing of APY subscribers. As on 31.01.2026, a total of 17,698 Bank branches and 381 Post Office branches are enrolling people into APY in Uttar Pradesh.

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## Lok Sabha Unstarred Question No. †2656 regarding 'Beneficiaries of Atal Pension Yojana' on 09.03.2026

State-wise gross enrolments under APY as on 31.01.2026, during the last three years

| State Name                      | 2022-23     | 2023-24     | 2024-25     | 2025-26 (as on 31.01.2026)   | Gross enrolments so far (as on 31.01.2026)   |
|---------------------------------|-------------|-------------|-------------|------------------------------|----------------------------------------------|
| Uttar Pradesh                   | 22,40,938   | 22,13,295   | 19,60,367   | 17,23,538                    | 1,45,22,133                                  |
| Andaman &Nicobar Islands        | 3,085       | 2,653       | 1,938       | 2,141                        | 15,465                                       |
| Andhra Pradesh                  | 5,67,314    | 6,01,664    | 5,73,008    | 4,99,582                     | 43,36,137                                    |
| Arunachal Pradesh               | 4,846       | 6,228       | 6,340       | 6,404                        | 41,982                                       |
| Assam                           | 3,23,506    | 3,47,798    | 2,71,883    | 2,71,042                     | 21,21,331                                    |
| Bihar                           | 10,80,863   | 11,91,783   | 11,04,270   | 9,05,534                     | 79,69,799                                    |
| Chandigarh                      | 11,436      | 10,832      | 10,717      | 12,888                       | 87,514                                       |
| Chhattisgarh                    | 2,19,414    | 2,49,190    | 2,62,999    | 2,61,349                     | 16,80,135                                    |
| Delhi                           | 1,50,502    | 1,30,668    | 1,09,954    | 1,18,467                     | 10,59,034                                    |
| Goa                             | 14,430      | 15,522      | 15,314      | 14,516                       | 1,27,871                                     |
| Gujarat                         | 3,82,716    | 4,08,845    | 3,80,732    | 3,88,569                     | 31,67,674                                    |
| Haryana                         | 3,07,287    | 2,70,070    | 2,63,499    | 2,62,585                     | 19,73,007                                    |
| Himachal Pradesh                | 97,057      | 86,470      | 81,941      | 79,124                       | 6,46,660                                     |
| Jammu and Kashmir               | 40,703      | 39,674      | 43,002      | 44,125                       | 2,84,011                                     |
| Jharkhand                       | 4,30,587    | 4,42,235    | 4,91,757    | 4,34,538                     | 29,68,851                                    |
| Karnataka                       | 6,01,270    | 5,94,023    | 6,48,228    | 6,69,623                     | 49,91,457                                    |
| Kerala                          | 2,00,130    | 2,09,401    | 2,66,528    | 2,72,857                     | 17,31,466                                    |
| Ladakh                          | 1,453       | 914         | 896         | 816                          | 7,562                                        |
| Lakshadweep                     | 718         | 411         | 745         | 646                          | 3,686                                        |
| Madhya Pradesh                  | 7,36,755    | 8,38,300    | 7,61,643    | 7,24,559                     | 54,09,004                                    |
| Maharashtra                     | 8,12,551    | 8,19,953    | 7,80,312    | 7,48,198                     | 62,29,862                                    |
| Manipur                         | 15,873      | 9,678       | 9,034       | 11,058                       | 77,168                                       |
| Meghalaya                       | 9,957       | 11,956      | 12,474      | 22,986                       | 95,622                                       |
| Mizoram                         | 2,721       | 4,358       | 6,088       | 10,005                       | 37,779                                       |
| Nagaland                        | 6,654       | 6,010       | 5,802       | 6,598                        | 45,093                                       |
| Odisha                          | 4,17,983    | 4,73,542    | 4,80,456    | 4,87,731                     | 33,91,358                                    |
| Puducherry                      | 12,532      | 12,175      | 13,845      | 13,270                       | 1,13,678                                     |
| Punjab                          | 3,71,756    | 3,47,955    | 3,46,314    | 3,74,698                     | 26,01,315                                    |
| Rajasthan                       | 6,64,197    | 6,63,524    | 6,32,239    | 5,91,954                     | 46,40,690                                    |
| Sikkim                          | 6,816       | 5,163       | 6,544       | 5,655                        | 48,386                                       |
| Tamil Nadu                      | 6,93,031    | 7,12,705    | 6,90,667    | 7,26,100                     | 57,07,822                                    |
| Telangana                       | 3,61,558    | 3,87,344    | 3,25,878    | 3,33,285                     | 27,53,640                                    |
| Dadra &Nagar Haveli &Daman &Diu | 5,118       | 4,650       | 4,472       | 3,882                        | 45,557                                       |
| Tripura                         | 44,251      | 48,124      | 65,450      | 39,870                       | 3,27,191                                     |
| Uttarakhand                     | 1,51,157    | 1,37,697    | 1,12,324    | 1,07,087                     | 9,39,797                                     |
| West Bengal                     | 9,40,220    | 9,88,680    | 9,90,667    | 9,08,982                     | 69,75,006                                    |
| Grand Total                     | 1,19,31,385 | 1,22,93,490 | 1,17,38,327 | 1,10,84,262                  | 8,71,74,743                                  |

Source: PFRDA

## Lok Sabha Unstarred Question No. †2656 regarding 'Beneficiaries of Atal Pension Yojana' on 09.03.2026

State-wise gross enrolments of women made under APY as on 31.01.2026, during the last three years

| State Name                      | 2022-23   | 2023-24   | 2024-25   | 2025-26 (as on 31.01.2026)   | Gross enrolments so far (as on 31.01.2026)   |
|---------------------------------|-----------|-----------|-----------|------------------------------|----------------------------------------------|
| Uttar Pradesh                   | 8,76,940  | 9,08,588  | 9,00,118  | 8,33,697                     | 58,25,624                                    |
| Bihar                           | 6,17,459  | 7,23,255  | 6,90,740  | 6,13,609                     | 46,06,393                                    |
| West Bengal                     | 5,50,298  | 6,04,897  | 6,12,691  | 5,70,602                     | 39,93,856                                    |
| Tamil Nadu                      | 4,05,267  | 4,30,475  | 4,00,432  | 4,18,420                     | 32,59,733                                    |
| Maharashtra                     | 3,48,065  | 3,66,732  | 4,36,598  | 3,82,311                     | 27,54,934                                    |
| Madhya Pradesh                  | 3,50,720  | 5,22,086  | 4,56,161  | 4,43,280                     | 27,10,246                                    |
| Andhra Pradesh                  | 3,66,047  | 3,96,959  | 3,58,689  | 2,90,362                     | 26,51,596                                    |
| Karnataka                       | 2,83,590  | 3,19,575  | 3,51,362  | 3,57,757                     | 23,62,494                                    |
| Odisha                          | 2,33,606  | 2,75,267  | 3,19,367  | 3,09,351                     | 18,75,922                                    |
| Rajasthan                       | 2,55,256  | 2,63,848  | 2,51,171  | 2,65,722                     | 17,61,858                                    |
| Jharkhand                       | 2,38,139  | 2,50,568  | 3,30,064  | 2,96,632                     | 17,24,055                                    |
| Telangana                       | 2,02,578  | 2,17,412  | 1,76,369  | 1,84,409                     | 14,47,846                                    |
| Assam                           | 1,96,478  | 2,23,307  | 1,67,872  | 1,71,348                     | 12,31,146                                    |
| Punjab                          | 1,61,020  | 1,53,379  | 1,52,572  | 1,64,853                     | 10,58,889                                    |
| Gujarat                         | 1,17,562  | 1,35,991  | 1,36,673  | 1,50,449                     | 10,14,659                                    |
| Kerala                          | 1,06,519  | 1,12,109  | 1,42,120  | 1,47,536                     | 9,32,638                                     |
| Chhattisgarh                    | 1,07,878  | 1,36,061  | 1,68,348  | 1,69,337                     | 8,80,577                                     |
| Haryana                         | 1,26,875  | 1,15,927  | 1,23,953  | 1,18,065                     | 7,65,047                                     |
| Delhi                           | 62,650    | 55,612    | 50,726    | 52,498                       | 4,16,633                                     |
| Uttarakhand                     | 54,956    | 55,796    | 51,062    | 49,141                       | 3,66,958                                     |
| Himachal Pradesh                | 39,118    | 36,753    | 36,002    | 33,772                       | 2,55,377                                     |
| Tripura                         | 24,439    | 28,178    | 39,283    | 22,823                       | 1,78,019                                     |
| Jammu &Kashmir                  | 13,386    | 14,522    | 15,649    | 16,178                       | 93,184                                       |
| Puducherry                      | 7,432     | 7,262     | 8,187     | 7,574                        | 64,360                                       |
| Meghalaya                       | 5,343     | 6,551     | 7,281     | 14,914                       | 53,135                                       |
| Goa                             | 5,931     | 6,558     | 5,988     | 5,881                        | 50,544                                       |
| Manipur                         | 8,558     | 5,590     | 5,050     | 6,281                        | 40,866                                       |
| Chandigarh                      | 4,255     | 4,036     | 4,192     | 5,184                        | 32,900                                       |
| Sikkim                          | 3,496     | 2,616     | 3,371     | 2,675                        | 22,659                                       |
| Nagaland                        | 3,218     | 3,039     | 3,027     | 3,420                        | 22,126                                       |
| Arunachal Pradesh               | 2,449     | 3,147     | 3,108     | 3,190                        | 20,332                                       |
| Mizoram                         | 1,576     | 2,266     | 3,251     | 5,329                        | 20,227                                       |
| Dadra &Nagar Haveli &Daman &Diu | 672       | 874       | 1,048     | 1,157                        | 8,266                                        |
| Andaman &Nicobar Islands        | 1,301     | 1,243     | 883       | 972                          | 6,548                                        |
| Ladakh                          | 597       | 357       | 292       | 259                          | 2,640                                        |
| Lakshadweep                     | 257       | 137       | 343       | 252                          | 1,395                                        |
| Grand Total                     | 57,83,931 | 63,90,973 | 64,14,043 | 61,19,240                    | 4,25,13,682                                  |

Source: PFRDA