How to Check Atal Pension Yojana Balance (APY): Complete Guide

Retirement planning just got easier for Indians, thanks to the Atal Pension Yojana (APY). This government-backed scheme makes saving simple, but don’t forget: staying updated on your APY balance helps you keep your contributions on track and your retirement dreams within reach.

Why Should You Check Your APY Balance?

• Stay updated on contributions and account status.
• Download statements for tax filing and proof of investment.
• Resolve discrepancies quickly.
• Plan retirement goals with accurate figures.

Methods to Check APY Balance

1. Online via NSDL/APY CRA Portal

• Go to the official portal:
• NSDL CRA APY Website
• Enter your PRAN (Permanent Retirement Account Number) and registered mobile number.
• Enter the OTP received on your mobile.
• View and download your APY statement instantly.

2. Using the UMANG Mobile App

• Download and install the UMANG App from your smartphone’s app store.
• Register using your mobile number.
• Navigate to “Social Security & Pension” > Atal Pension Yojana.
• Enter your details and check your balance, contributions, and download statements.

3. Via Net Banking

• Log into your bank’s net banking portal.
• Go to Pension/Investment/Atal Pension Yojana section.
• Enter required details (usually account number or PRAN).
• View your APY balance and statement.

4. SMS Facility

• If registered, you’ll receive periodic SMS updates on your APY contributions and balance.
• For instant check, send an SMS (format: APY<space>PRAN) to the designated number (check with your bank for latest number).

5. Visit Your Bank Branch/Post Office

• Ask for your APY balance and statement at the customer service desk.
• Provide your PRAN or account number and a valid ID.

How to Check APY Balance Without PRAN

• Request your PRAN at your bank branch/post office—give your account and Aadhaar details.
• Retrieve PRAN via UMANG App or official APY portal using registered mobile and personal details.
• Once you have your PRAN, follow the balance check methods above.

Downloading APY Statement for Tax Purposes

Statements available on the CRA portal, UMANG App, and through net banking.

Use statements for tax proof, verification, and financial planning.

Statements show contribution history, account status, and maturity.