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The Atal Pension Yojana (APY) is a Cenral govt-backed pension scheme for unorganized sector workers aged 18-40. Subscribers receive a fixed monthly pension of ₹1,000 to ₹5,000 after 60, based on contributions. The govt co-contributes for eligible subscribers. APY ensures old-age financial security with auto-debit, tax benefits, and spouse pension continuation.
