Uttar Pradesh Leads Atal Pension Yojana Enrolment With 13.5 Million Subscribers, Maharashtra, Bihar Rank Next

Uttar Pradesh leads in the number of enrolments in the Atal Pension Yojana (APY) since its inception in 2015, with 13.50 million subscribers, followed by Maharashtra with 8.04 million subscribers and Bihar with 7.34 million subscribers. Union Minister of Finance Nirmala Sitharaman gave this information in a written reply to a question in Lok Sabha on the first day of the Winter Session of Parliament on December 1, 2025.

Atal Pension Yojana (APY)

APY was launched on May 9, 2015, to provide social security to the unorganised sector workers. The scheme is open to all citizens of India, between 18 and 40 years of age, who is a non-taxpayer. One can open an account with the post office, banks, including public sector, private sector, regional rural banks (RRBs), small finance banks (SFBs), payments banks, and cooperative banks. These entities work as a point of presence (PoP) for APY, and subscribers can open their APY accounts with them. Under this, the pension is a fixed and guaranteed amount payable to the subscriber after the age of 60.  

APY Enrolment

Sitharaman said in her reply that as of October 31, 2025, there were a total of 83.40 million (83,413,738) APY enrolments, a 599 per cent increase since 2022-23. Women’s enrolment has risen to 48 per cent of the total (since inception); however, for 2024-25, it has been 55 per cent, and this year too, as of October 31, 2025, it was at 55 per cent.

The Pension Fund Regulatory and Development Authority (PFRDA) is the monitoring authority for APY and the National Pension System (NPS), to provide pension security to Indian citizens. However, the NPS is a flexible and broader scheme compared to the APY, which is only for unorganised sector workers. However, unlike NPS, APY guarantees a pension with a minimum of Rs 1,000 and a maximum of Rs 5,000 for life.

According to the data shared in the reply, here are the top and bottom seven states and UTs with the highest enrolments in APY since inception.

Top Seven States And UTs In APY Enrolmentnps:

Uttar Pradesh – 13,540,417

Maharashtra – 8,042,402

Bihar – 7,344,480

West Bengal – 6,436,702

Tamil Nadu – 5,430,604

Madhya Pradesh – 4,912,077

Karnataka – 4,745,625

Rajasthan – 4,354,034

Andhra Pradesh – 4,148,294

Bottom Seven States And UTs In APY Enrolments

Lakshadweep – 3,482

Ladakh – 7,086

Andaman & Nicobar Islands – 14,740

Mizoram – 33,356

Arunachal Pradesh – 39,432

Nagaland – 42,947

Dadra &Nagar Haveli & Daman & Diu – 43,324

The total enrolments this year, as of October 31, 2025, stood at 7,323,257, with the same states listed in the top seven, having enrolled the highest number of subscribers in APY.