More women are signing up for Atal Pension Yojana than ever before
Women now make up 55% of new subscribers to the Atal Pension Yojana (APY) in FY25, up from 52% last year—a steady rise that's still going strong.
APY, launched in 2015, is a government pension scheme for anyone aged 18-40 with a bank or post office account.
The trend highlights how women are getting more involved in financial planning and benefiting from financial inclusion initiatives like Jan-Dhan, which enable access to APY and similar schemes.
Where's the action happening?
Uttar Pradesh and Bihar lead the way, with UP alone accounting for over 16% of all enrollments.
This boost comes from efforts to improve financial literacy and make these schemes more accessible—especially for women—through initiatives like PMJDY accounts.
Banks and tech making it easier
Public sector banks handled about 70% of APY sign-ups, while rural banks and digital platforms like e-APY apps helped too.
The PFRDA spread the word with brochures in 13 languages, backed by NABARD's support.
What do you get?
If you join APY, you'll get a guaranteed monthly pension between ₹1,000-₹5,000 after turning 60—and your spouse or nominee gets it too.
The scheme has already built up a massive ₹43,275 crore fund.
This growing participation indicates that more women are linking their bank accounts to long-term security—even if they work outside the formal sector.