From October 1, 2025, only new registration forms will be accepted for APY. To make the scheme more secure and transparent, the government has made significant changes to the form, making it mandatory to fill out a FATCA/CRS declaration. If you are an unorganized sector employee and want a guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60, here’s how to fill out the new APY form and what important points to keep in mind to ensure your future pension is secure.
What is the Atal Pension Yojana
The Atal Pension Yojana (APY) is a powerful government scheme specifically designed to provide financial security in old age to workers in the unorganized sector. Your contribution to this scheme determines the pension you will receive after age 60.
Eligibility Criteria for Joining APY
It is mandatory to be an Indian citizen.
You must be between 18 and 40 years of age.
You must have a savings account with a bank or post office.
You must not be an income tax payer on or after October 1, 2022.
Providing your Aadhaar and mobile number during registration is mandatory to receive APY updates directly.
What is the new APY form and FATCA/CRS declaration
In accordance with the new rules of the Central Recordkeeping Agency (Protean) for the scheme, the government has made some key changes to the registration form. The old form will no longer be used under any circumstances.
The new form now includes a FATCA/CRS declaration, which is mandatory. This declaration ensures that the individual is not a foreign citizen or a tax resident. Since only Indian residents can join APY through the post office, this verification is necessary. This latest change has made the registration process more secure and transparent, reducing the likelihood of errors and delays in the future.
How to Fill Out the New Atal Pension Yojana Form
To join the APY, you must fill out the new form without any mistakes. Experts say that providing incorrect information may result in your account being cancelled. First, obtain a new APY form from your nearest post office or bank branch. Enter your full name, age, Aadhaar number, and mobile number correctly on the form.
Read the FATCA/CRS declaration carefully and fill in the required information accurately. Enter your bank or post office account details correctly, including the account number. Before submitting the form, double-check all the information entered to ensure there are no mistakes. Be sure to obtain a receipt after submitting the form. Always keep your mobile number and Aadhaar updated so you can receive APY notifications directly.
This concrete step by the government was necessary to make the registration process simple, transparent, and secure. This new rule will ensure that only the rightful beneficiary receives the full benefit of their guaranteed pension after age 60.