How to Open Atal Pension Yojana (APY) account online in SBI

State Bank of India (SBI), one of the top public sector banks in India providing services to customers on with the leading private sector banks has recently come up with the option of opening Atal Pension Yojana (APY)Scheme online through their internet banking account. This is one more addition to the plethora of services offered by State Bank of India online in addition to the existing services at free of cost. In this post, we learn about opening Atal Pension Yojana (APY) account online. Atal Pension Yojana Account can be opened similar to other accounts like Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY).

Atal Pension Yojana is the scheme introduced by Government of India for the benefit of employees of unorganized sectors who are not in regular service and won’t receive pension once they reach the age of 60. Based on the monthly premium paid by the customers, pension amount will be decided. Premium amount is decided on the factors of age of entry into the scheme and pension required per month after attaining the age of 60.

Customers need to have internet banking in State Bank of India to avail this facility. Follow these steps to open account online. You will receive confirmation SMS and email registered on successful registration. PRAN number will be generated and it will serve as reference number in future.

Select Social Security Schemes in 'My Accounts' section

Select Atal Pension Yojana (APY) from drop down menu and click submit

Fill the details online. Premium contribution will be automatically selected depending on your date of birth

One can enter details like Nominee, Permanent Address and Email id on which one need alerts. Select the pension amount based on which the contribution amount will be automatically selected based on age and pension amount required. Opt for SMS alert to receive details about amount contributed every month. Even option for Standing instruction will be automatically created for the balance transfer from your account to APY account every month.

Once online APY form is submitted, acknowledgment can be downloaded from Status Menu

PRAN number and further account of APY is maintained with Pension Fund Regulatory and Development Authority (PFRDA). As of now balance of APY account cannot be accessed online and can only be accessed through branch. Change of premium amount in contribution can also be made by filling up the form available online at the respective branch. 


  1. Do we need to send the acknowledgement to the Bank ?

    1. Hello Girish,

      No need. It will be automatically deducted from your bank account every month or quarter based on your selection. You can download APY account details online. (see here:


    2. Error while opening Atal Pension Yojana (APY) account online @ SBI ."All mandotry fields needs to be populated".Only field that's left behind is last name which is not mandatory while submitting the form.<2017-10-14>Any encountered similar issues ?

  2. Online Application for Atal Pension Yojana (APY) SBI Error - Please enter/select all mandatory fields marked with *. Only Fields thats not populated is last name which is not mandatory

  3. I have opened APY online. Never contacted branch for this before and after opening of pension. Hope this is fine.

  4. can i apply for this scheme now

    ... there is no social security schemes showing in my internet banking

  5. can i apply for this scheme on as 20th june 2018

  6. i already have NPS account and PRAN no of Tier 1 account. how it can be linked to APY PRAN account no.