Lok Sabha Question No. 12 (STARRED), answered on 2025-12-01
Subject: Beneficiaries Enroled under Atal Pension Yojana
Ministry: FINANCE
Asked by: Shri Janardan Singh Sigriwal

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES *****

## LOK SABHA STARRED QUESTION NO. *12

ANSWERED ON MONDAY, 01 DECEMBER, 2025/ AGRAHAYANA 10, 1947 (SAKA)

## Beneficiaries Enroled under Atal Pension Yojana

- *12. Shri Janardan Singh Sigriwal

Will the Minister of FINANCE be pleased to state:

- (a) the total number of Atal Pension Yojana (APY) beneficiaries in the country till date along with the number of new enrolments made in the country during the last five years, State-wise including Bihar;
- (b) the steps taken by the Government to promote Atal Pension Yojana in rural and remote areas of Bihar and to create awareness of the Scheme among the unorganized sector workers and other eligible populations;
- (c) whether  there  has  been  any  significant  increase  in  the  participation  of  women  and  small farmers in APY in the country especially in Bihar and if so, the details thereof;
- (d) the role of banking institutions and post offices in the implementation of APY in Bihar along with the number of branches that are actively enroling people in the said Scheme; and
- (e) the challenges faced/being faced in enrolment and maintenance of APY accounts in Bihar along with the measures taken/being taken by the Government to address these challenges?

## ANSWER

The Minister of Finance (Smt. Nirmala Sitharaman)

(a) to (e) A Statement is laid on the Table of the House.

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## STATEMENT OF LOK SABHA STARRED QUESTION NO. *12 REGARDING 'BENEFICIARIES  ENROLED  UNDER  ATAL  PENSION  YOJANA'  RAISED  BY  SHRI JANARDAN SINGH SIGRIWAL, ANSWERED ON 01.12.2025

(a) to (e) 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 as on 31.10.2025 is 8,34,13,738. A list showing the number of new enrolments made in the country during the last five years, Statewise including Bihar is at Annexure-I.

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 Bihar:

- 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 SLBCs/ LDMs at pan India level. During last five years such programmes have been conducted across various districts of Bihar including in Muzaffarpur, Patna, Bhojpur, and Nalanda.
- vii. Recently,  financial  inclusion  campaigns  for  pension  saturation  were  organized  pan  India including 8093 such campaigns in the state of Bihar

As on 31.10.2025, the female gross enrolments under APY is 4,04,41,135 which is 48% of the total enrolment. Further, in Bihar, the female gross enrolments under APY is 42,07,233, which is 57% of the total enrolment in Bihar. The details of gender-wise enrolments made in the country including Bihar is at Annexure-II. Further, the specific data related to small farmers participation in APY is not captured under the Scheme.

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 31.10.2025, a total of 7,153 Bank branches and 461 Post Office branches are enrolling people into APY in Bihar

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## Lok Sabha Starred Question No. *12 regarding 'Beneficiaries enroled under Atal Pension Yojana' to be answered on 01.12.2025

State-wise gross enrolments under APY as on 31.10.2025, during the last five years

| Name of the State/UT             | 2021-22   | 2022-23     | 2023-24     | 2024-25     | 2025-26 (as on 31.10.2025)   | Gross enrolments since inception   |
|----------------------------------|-----------|-------------|-------------|-------------|------------------------------|------------------------------------|
| Bihar                            | 9,36,541  | 10,07,521   | 10,77,242   | 10,18,964   | 5,63,955                     | 73,44,480                          |
| Andaman &Nicobar Islands         | 2,400     | 3,060       | 2,640       | 1,938       | 1,461                        | 14,740                             |
| Andhra Pradesh                   | 4,53,361  | 5,53,828    | 5,87,038    | 5,67,687    | 3,47,084                     | 41,48,294                          |
| Arunachal Pradesh                | 4,289     | 4,702       | 6,176       | 6,331       | 4,071                        | 39,432                             |
| Assam                            | 2,44,472  | 3,19,839    | 3,44,974    | 2,67,047    | 1,67,040                     | 20,05,665                          |
| Chandigarh                       | 7,679     | 11,104      | 10,772      | 10,705      | 8,260                        | 82,380                             |
| Chhattisgarh                     | 1,66,617  | 2,11,631    | 2,42,147    | 2,55,067    | 1,94,313                     | 15,89,555                          |
| Delhi                            | 1,30,260  | 1,35,754    | 1,23,630    | 1,07,551    | 72,363                       | 9,85,351                           |
| Goa                              | 13,994    | 12,289      | 12,663      | 14,033      | 8,944                        | 1,15,474                           |
| Gujarat                          | 3,73,786  | 3,50,319    | 3,89,050    | 3,68,701    | 2,43,648                     | 29,51,620                          |
| Haryana                          | 2,25,190  | 2,99,591    | 2,60,372    | 2,58,456    | 1,73,002                     | 18,60,377                          |
| Himachal Pradesh                 | 93,101    | 96,048      | 85,160      | 80,353      | 48,174                       | 6,11,729                           |
| Jammu &Kashmir                   | 28,495    | 39,926      | 39,565      | 42,967      | 30,785                       | 2,69,712                           |
| Jharkhand                        | 3,25,835  | 3,56,675    | 3,50,253    | 3,94,426    | 2,32,626                     | 24,92,572                          |
| Karnataka                        | 5,40,405  | 5,88,750    | 5,86,194    | 6,42,178    | 4,51,811                     | 47,45,625                          |
| Kerala                           | 1,64,890  | 1,96,633    | 2,01,194    | 2,59,030    | 1,86,393                     | 16,24,963                          |
| Ladakh                           | 665       | 1,436       | 825         | 854         | 488                          | 7,086                              |
| Lakshadweep                      | 542       | 718         | 411         | 745         | 442                          | 3,482                              |
| Madhya Pradesh                   | 5,59,023  | 6,69,067    | 7,59,388    | 7,00,942    | 4,43,859                     | 49,12,077                          |
| Maharashtra                      | 8,47,346  | 14,06,970   | 14,56,984   | 13,10,776   | 7,02,441                     | 80,42,402                          |
| Manipur                          | 8,442     | 15,792      | 9,668       | 8,875       | 8,232                        | 74,091                             |
| Meghalaya                        | 8,878     | 9,833       | 11,906      | 12,455      | 12,182                       | 84,616                             |
| Mizoram                          | 3,104     | 2,612       | 4,339       | 6,073       | 5,729                        | 33,356                             |
| Nagaland                         | 5,945     | 6,581       | 5,988       | 5,794       | 4,572                        | 42,947                             |
| Odisha                           | 3,77,216  | 3,84,326    | 4,43,605    | 4,54,036    | 3,12,681                     | 31,20,266                          |
| Puducherry                       | 11,881    | 12,112      | 11,814      | 13,750      | 9,808                        | 1,09,238                           |
| Punjab                           | 2,65,458  | 3,56,352    | 3,35,064    | 3,39,840    | 2,44,006                     | 24,33,802                          |
| Rajasthan                        | 6,19,257  | 6,45,884    | 6,51,338    | 6,17,314    | 3,54,371                     | 43,54,034                          |
| Sikkim                           | 6,054     | 6,804       | 5,056       | 6,539       | 3,557                        | 46,160                             |
| Tamil Nadu                       | 6,32,761  | 6,75,639    | 6,93,896    | 6,77,981    | 5,01,496                     | 54,30,604                          |
| Telangana                        | 2,87,694  | 3,53,584    | 3,80,961    | 3,22,643    | 2,18,469                     | 26,18,889                          |
| Dadra &Nagar Haveli &Daman & Diu | 3,855     | 4,581       | 4,351       | 4,381       | 2,682                        | 43,324                             |
| Tripura                          | 33,211    | 43,598      | 47,873      | 64,895      | 21,275                       | 3,07,074                           |
| Uttar Pradesh                    | 16,98,985 | 21,23,472   | 20,85,729   | 18,54,678   | 11,11,982                    | 1,35,40,417                        |
| Uttarakhand                      | 1,15,370  | 1,46,571    | 1,34,360    | 1,10,370    | 69,542                       | 8,91,202                           |
| West Bengal                      | 7,14,477  | 8,77,783    | 9,30,864    | 9,29,952    | 5,61,513                     | 64,36,702                          |
| Grand Total                      | 99,11,479 | 1,19,31,385 | 1,22,93,490 | 1,17,38,327 | 73,23,257                    | 8,34,13,738                        |

Source PFRDA

## Lok Sabha Starred Question No. *12 regarding 'Beneficiaries enroled under Atal Pension Yojana' to be answered on 01.12.2025

Gender-wise gross enrolments under APY as on 31.10.2025, since inception

| Overall Country Data       | Overall Country Data   | Overall Country Data   | Overall Country Data   | Overall Country Data   | Overall Country Data   |
|----------------------------|------------------------|------------------------|------------------------|------------------------|------------------------|
| FY                         | Female                 | Male                   | Transgender            | Grand Total            | Female Ratio           |
| 2015-16                    | 9,42,243               | 15,42,399              | 253                    | 24,84,895              | 38%                    |
| 2016-17                    | 8,92,826               | 15,05,421              | 687                    | 23,98,934              | 37%                    |
| 2017-18                    | 20,51,224              | 27,69,267              | 1,141                  | 48,21,632              | 43%                    |
| 2018-19                    | 25,83,405              | 31,27,867              | 1,552                  | 57,12,824              | 45%                    |
| 2019-20                    | 31,50,418              | 37,31,090              | 1,865                  | 68,83,373              | 46%                    |
| 2020-21                    | 35,98,876              | 43,13,937              | 1,329                  | 79,14,142              | 45%                    |
| 2021-22                    | 45,85,806              | 53,22,945              | 2,728                  | 99,11,479              | 46%                    |
| 2022-23                    | 57,82,745              | 61,44,268              | 4,372                  | 1,19,31,385            | 48%                    |
| 2023-24                    | 63,89,156              | 58,99,813              | 4,521                  | 1,22,93,490            | 52%                    |
| 2024-25                    | 64,13,748              | 53,19,964              | 4,615                  | 1,17,38,327            | 55%                    |
| 2025-26 (as on 31.10.2025) | 40,50,688              | 32,70,823              | 1,746                  | 73,23,257              | 55%                    |
| Grand Total                | 4,04,41,135            | 4,29,47,794            | 24,809                 | 8,34,13,738            | 48%                    |

| Bihar State Data           | Bihar State Data   | Bihar State Data   | Bihar State Data   | Bihar State Data   | Bihar State Data   |
|----------------------------|--------------------|--------------------|--------------------|--------------------|--------------------|
| FY                         | Female             | Male               | Transgender        | Grand Total        | Female Ratio       |
| 2015-16                    | 1,01,126           | 1,51,616           | 18                 | 2,52,760           | 40%                |
| 2016-17                    | 1,17,274           | 1,37,692           | 31                 | 2,54,997           | 46%                |
| 2017-18                    | 2,59,721           | 2,22,473           | 59                 | 4,82,253           | 54%                |
| 2018-19                    | 2,54,239           | 2,14,912           | 51                 | 4,69,202           | 54%                |
| 2019-20                    | 3,04,556           | 2,56,803           | 84                 | 5,61,443           | 54%                |
| 2020-21                    | 3,91,268           | 3,28,282           | 52                 | 7,19,602           | 54%                |
| 2021-22                    | 5,26,705           | 4,09,740           | 96                 | 9,36,541           | 56%                |
| 2022-23                    | 5,75,052           | 4,32,331           | 138                | 10,07,521          | 57%                |
| 2023-24                    | 6,56,008           | 4,21,084           | 150                | 10,77,242          | 61%                |
| 2024-25                    | 6,41,070           | 3,77,720           | 174                | 10,18,964          | 63%                |
| 2025-26 (as on 31.10.2025) | 3,80,214           | 1,83,691           | 50                 | 5,63,955           | 67%                |
| Grand Total                | 42,07,233          | 31,36,344          | 903                | 73,44,480          | 57.28%             |

Source PFRDA