Atal pension yojana (APY) – List of banks


Atal pension yojana is opened to all citizen of India aged between 18-40 years. This scheme guarantees pension for the citizens of India, even though it is mainly focused on the unorganised sector workers – Any Indian citizen can open this scheme, but the government co-contribution is available only of those who are not covered by any Social security schemes or is not an tax payer. Indian Government will co-contribute 50% of the subscriber’s contribution or Rs. 1000 per annum, whichever is lower. The contribution varies depends upon your age.

Atal pension Yojna - list of banks

How to subscribe for Atal pension yojana

1. Approach the bank branch where your savings bank account is held.
2. Fill up the Atal Pension Yojana registration form with your Aadhaar and Mobile Number. Your Aadhaar will be the primary KYC.
3. KYC compliant saving account is mandatory to open this scheme
4. Always keep the required balance in your account for transfer of monthly contribution
4. The due date for the monthly contribution will be based on the initial date of deposit
5. Penalty for the late payment is depends on the contribution, (Rs. 10 will charged as a penalty for the contribution of more than Rs. 1,000 per month)
6. In case of continued delay of payment for more than two years, your account will be closed permanently.

APY – List of banks

1. State Bank of India
2. State Bank of Hyderabad
3. State bank of Travancore
4. State Bank of Patiala
5. Allahabad Bank
6. Andhra Bank
7. Bank of Maharashtra
8. Canara Bank
9. Federal Bank
10. Dena Bank
11. Indian Overseas Bank
12. Oriental Bank of Commerce
13. Punjab National Bank
14. Karnataka Bank
15. Syndicate Bank
16. UCO Bank
17. Union Bank of India
18. Vijaya Bank
19. Tamilnad Mercantile Bank (TMB)
20. IndusInd Bank
22. Bank of India
23. Bank of Baroda
24. JK bank
25. Punjab & Sind Bank
26. Tamilnad Mercantile Bank
27. Allahabad Bank
28. Oriental Bank of Commerce
29. HDFC

If you have any doubts regarding opening the APY account, kindly leave as comments. We would try our level best to address those.

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  1. sujit says

    I open a APY account on Allahabad bank. Now I want to change/transfer same account in sbi it is possible or not

    1. Mohammad Ali says

      No you can’t. The only way out is to close your APY (Atal Pension Yojana) with Allahabad and open in SBI Bank , but keep in mind that it will be a new apy account and not continuing from your previous account.

  2. Pradip Kar says

    Please confirm that “Bandhan Bank ” are listed for APY.

    1. Mohammad Ali says

      Currently NO

  3. Kalpana Goswami says

    Can we open more than 1 APY account in different banks?

    1. Mohammad Ali says

      No, it is illegal to open more than one APY account.

  4. Sachin says

    I’m doing registration for APY in online web portal, but there’s no listed my Canara bank. What will I do?

  5. Nitin says

    Can I change my bank (Saving Account) for deduction for APY. Would like to link different bank’s account. If possible can you please suggest the process.

  6. satendra says

    sir I am a private company employ and earning Rs.12000 per month . Can I choose Atal pension yojana for me.

    1. Mohammad Ali says

      Yes you can open Aval Pension yojana

    2. Mohammad Ali says

      Yes you can

  7. Gopinath G says

    Hi Mr Ali. if me and my wife open APY in 2 banks will we get benefit from both banks for each individual

    1. Mohammad Ali says

      Hello Gopi, Only one Atal Pension Yojana (APY) Scheme account can be opened per person.

  8. Gaurav kumar says

    Mera account number to mere mobile number par aa gya hai or contribution Rs is 50 rupee credited to my account par mujhe nahi pata hai ki mera bank kon sa hai .

  9. -Ravi Dewangan says

    Hdfc bank is authorised for atal pension yojana or not?

    1. Mohammad Ali says

      Hello Ravi, you can open Atal Pension Yojana in HDFC bank.
      Steps to open Atal Pension Yojana in HDFC
      1. Existing account holders can approach any of the HDFC Bank branch to subscribe to Atal Pension Yojana (New account will have to be opened if the subscriber doesn’t have one.)
      2. Provide the Bank A/c number to the bank staff who will help account holder to enroll for APY through the APY module. Customer will not be required to fill up any form as the form is prefilled with maximum details.
      3. Provide your Aadhaar & Mobile Number. This is not mandatory, but may be provided to facilitate the communication regarding contribution.
      4. Ensure keeping the required balance in the savings bank account for transfer of monthly / quarterly / half yearly contribution.

      1. Dhananjay says

        Me and my wife are holding a joint saving account in SBI . Can both of us subscribe for APY on using same saving account? or we have to open another account who is not a primary account holder on out existing account?

    2. Mohammad Ali says

      Yes Ravi, you can open your APY in HDFC bank.

  10. Ajay Masih says

    I am receiving 82 RS to some xx5105 but I have not subscribed for the same

  11. Janki says

    I went to dena bank but they denied about the facility of APY…what should i do?

    1. Mohammad Ali says

      They should not deny to open APY. I advise you to contact the Dena Bank toll free number 1800225740 or write to with branch details.

  12. Saxena says

    I opened my APY from State bank of Mysore now its merged in SBI. Can I change my APY from SBI to Oriental Bank Of commerce.

  13. Kshama Mandal says

    I am bank account holder of Punjab and Maharashtra co-operative bank LTD (PMC BANK). Can I open APY.
    revert to me.

    1. Mohammad Ali says

      Currently, there are not providing it

  14. Bipin says

    Hi sir,
    I am actually planning to open a APY account in ICICI Bank where I have my salary account. My query is If I open in ICICI bank what will happen if in case I quit the job and my salary account gets closed. Could you please suggest.

    1. Mohammad Ali says

      Hello Bipin, you need to have a saving account in ICICI to continue you your APY.

  15. Apurba Mahadani says

    i have opened a account of APY in SBI online net .Three days after checked in net-banking the quarterly amount for Apy has debit.But i could not get any statement which i need to shown for income tax.When i went this addrees “” and searched for contribution address there is shown no Contribution.

    1. Mohammad Ali says

      Hello Apurba, first you can check with you Bank

  16. hitesh says

    sir one man can two apy account

    1. Mohammad Ali says

      No, A subscriber can open only one APY account and it is unique

  17. Saumalya Sen says

    Sir I am a Govt employee n I am under NPS. Can I apply for APY??? Bcz some bank employee told me that it is not for govt employee…. Plz rply….

    1. Mohammad Ali says

      Government employees can open APY account in India but they will not get the government contribution as mentioned in the above post

      1. Saumalya Sen says

        Thnk u sir…. But may I receive full benefits of APY????

      2. Mohammad Ali says

        Yes, all the benefits will remain same. You can also read “How to open Atal Pension Yojana Account”

    2. jamwl says

      Brother iam already government employee and under NPS …..But iam open APY in HP gramin bank …Last 2 years ……

  18. Hemakumar says

    Saw the comment that HDFC is not part of the List of Banks… Just want to double check if it is still not added under the APY – List of banks

    1. Mohammad Ali says

      Yes Hemakumar, still HDFC is not part of ATAL PENSION YOJANA.
      Mohammad Ali recently posted…Now link your Aadhaar in income tax website using Scan ID and OTPMy Profile

  19. P.NRS Prakash says

    I have my salary account in United bank of india. can i open atul pension yojana in that bak

    1. Mohammad Ali says

      Yes Prakash, you can open your APY account in United Bank of India.

  20. meenu says

    i am having scb and hdfc bank account.I cant open APY ?

  21. Radharani Mandal says

    If I take entry in APY shall I receive any sum assured money except monthly pension ?

  22. Rajanikant says

    I have opened the Atal Pension Yojana (APY) in Dec., 2016 from Post Office.
    Is there any option to Pay the Amount Online? If not then, can I LINK the same APY Account with my SBI Account, so that amount can be deducted directly online? If not, then Can I open another APY from SBI?
    Waiting for Clarification. Thanks.

    1. Mohammad Ali says

      Sorry Rajani, Currently there is no facility to pay the contributions in post offices and Only one Atal Pension Yojana (APY) account can be opened per person.

  23. Prashanth says

    Can I change my Atal pension Yojana from hdfc bank to Sbi bank

    1. Mohammad Ali says

      Hello Prashanth, Currently it is not possible to change your Atal pension Yojana from one bank to another.

  24. Prasanna says

    Is it possible to open APY in another branch of SBI?

  25. aman says

    I want to open a new bank account. my preference also comprise of APY scheme. So can we avail it on any newly opened account.

    I am looking forword for BOB. Will I be able to use the above mentioned scheme.

    Thank s in advance

  26. Bhawesh jha says

    Dear sir I have apy account I contribute my salary account in hdfc bank but my pran no is not ricived this time how can I get my pran no.

  27. PrasannaReddy Jonnala says

    Can I change one bank from another bank and is it possible to make correction of names.

    1. Mohammad Ali says

      Currently there is no provision to change your bank – but you can contact your bank to correct your name.

  28. Sushil says


    Can NPS member be the member of APY and HDFC Bank is also doing APY?


    1. Mohammad Ali says

      Yes, you can open both NPS and APY

  29. Rohit says

    Sir mere pass nre account hai axis bank ka or mai dubai mein rahta hun to hum kaise apply kar sakte hai dubai se pls reply


      Can I open APY at Axix bank,I have a saving account at Axis,pls suggest.

      1. Mohammad Ali says

        Yes, you can open APY scheme in Axis Bank. It can be opened in branch or using Axis netbanking.

  30. Mahalakshmi says

    Hi Mohammad Ali,

    Thanks for your support. I have a query. I approached the Indian Bank to subscribe for APY account on monday. Feb 1 2016. till today they are not able to open the account. When I approched branch manger he said, that the site is open for subscribtion only on Wednesday. Is it true.

    I don’t feel he saying truth.

    1. Mohammad Ali says

      Yes Mahalakshmi, it is not true

      You can contact the Indian bank’s ombudsman
      or contact APY toll free 1800-180-1111 / 1800-110-001

  31. Mohammad Ali says

    both are eligible to subscribe this scheme.

  32. Anonymous says

    Hi, what is the last date for joining into APY

    1. Mohammad Ali says

      You can open at anytime

      1. PABITRA SAHOO says

        I have started APY in my name and my wife name also given as a wife. Sir is this possible to open another account with my wife name.

      2. Mohammad Ali says

        Yes Pabitra, you can open a separate APY account for your wife.

  33. prudvi raj says

    Which type of benefits are provided by this apy account

    1. Mohammad Ali says

      Hi Prudviraj, the main and important benefit is saving for your post retirement. You will get pension from this savings after 60 years of age

  34. Rajiv says

    Bank of India is not in the list mentioned here. But today one of my friend applied for APY in Bank of India, Jamshedpur branch. Whether it’s possible and genuine?

    1. Mohammad Ali says

      Recently more banks are added to this list. Will update the list soon

  35. Anonymous says

    how to migrate from NPS-Lite to APY

    1. Mohammad Ali says

      Currently, there are no option of migrating from NPS to APY

  36. Anonymous says

    many bankers like sbi and UBI are refusing to open APY scheme, why is its time periods is over

  37. Khushboo Kandari says

    Can I registered in APY by online?

    1. Mohammad Ali says

      Currently No, You need to visit the branch for APY registration

  38. Sujeet says

    My bank (Bank of India) is not in this list. Is there any other option from where I can get benefit of this Atal pension yojana (APY) scheme. Pls help

    1. Mohammad Ali says

      You can open APY account in any of the mentioned bank which is nearby.

  39. prakash says

    how the open online apy account in sbi

    1. Mohammad Ali says

      Currently No, You need to visit the nearest SBI branch for APY registration

  40. Raatri says

    can a couple apply for separate APY for them i.e. two different APY account for them?

    1. Mohammad Ali says

      Yes, you can Raatri

  41. navnita says

    is city union bank providing this .

    1. Mohammad Ali says

      Yes you can open APY in city union bank. I have provided link below for more details

  42. sandeep s kulkarni says

    i m having a/c in HDFC bank,how i open Atal Pension Yojana …

    1. Mohammad Ali says

      As of now, it is not possible to open APY in HDFC bank for now. It may change in future as HDFC is one the top private bank in India with huge customer base.
      Mohammad Ali recently posted…Form 15G and Form 15H to save TDS on Fixed deposit and Recurring depositMy Profile

  43. Mahesh chauhan says

    Banl of baroda me ye yojna ho sakti hai ya nahi pls reply me fast

    1. Mohammad Ali says

      currently no

  44. P patro says

    Sir when the atal pension is going to be avilable with co-operative banks?

    1. Mohammad Ali says

      RBI already asked cooperative banks to appoint nodal officers for implementation of the Atal Pension Yojana (APY), so soon APY will available in cooperative banks.

  45. Raaja Anandhan says

    Great Work. Carry on Mohammed.

    1. Mohammad Ali says

      Thanks Raaja, Keep coming..
      Mohammad Ali recently posted…How to open Atal Pension Yojana AccountMy Profile

      1. Harsha says

        Sir, I want to do changes in a) Bank Account Number associated with APY Account to Another Account Number of Same Bank (because i want to close my old account as those 2 accounts are in different Customer IDs),
        b) Present Monthly Contribution to Half Yearly Contribution,
        c) Email ID Update. So, please tell me the procedure to do so.