How​‍​‌‍​‍‌​‍​‌‍​‍‌ to Check My Atal Pension Yojana Account

It is a wise decision to enrol in the Atal Pension Yojana (APY). However, it is equally important to monitor your APY account regularly just like you do for your bank account or salary. Don't fret—the procedure is quite simple!

What Is Atal Pension Yojana?

The idea behind APY is very simple; every month you deposit a fixed amount to a joint account that is shared between you and the government. When you retire, you'll be able to withdraw a fixed pension every month that will cover your living expenses. Now, let's check-out how you can verify this piggy bank either offline or online—whichever method you prefer.

How to Check Your APY Account Online

There is a dedicated website and an app for the convenience of APY users like you. You can leverage them in the following ways:

1. Visit the online official APY website. It's very easy—you just need to open your internet browser and type in the URL of the APY NPS CRA website.
2. Sign in with your PRAN or bank details. PRAN is a 12-digit unique number that is provided to you at the time of your registration. Don't worry if you can't remember it, as you can use your bank account information, name, and date of birth instead.
3. Decide on the information you want to access: The transaction statement or e-PRAN card details could be your choice.
4. Fill in the security code (captcha) and send it. At this point, your APY account information will be presented showing all your accounts and the amount of the pension that you are building.
5. By printing or saving the statement, you are making sure that you will always have a record of your transactions.

How to Check Using the Mobile App

In case you are a phone user and want to achieve this task from your mobile device, then the application called NPS Lite and APY where you would simply download the app, enter your PRAN, enter your received OTP, and you are done!

Offline Way to Check

Face-to-face interaction is always better, right? So, it is highly recommended to visit your bank or post office in person where you might have opened the account for APY and therefore get a printout of the statement. Besides, always be on the lookout for the APY's SMS alerts since they are the ones who keep sending updates about your contributions regularly. Moreover, it is expected that you will get a hard copy of the statement at your home each year.

Why Should You Keep Checking?

One of the main reasons to be very vigilant with your APY account is that you are able to ensure that your money is safely and on time going into your pension account. The second reason is that you may as well be taking immediate action on catching mistakes and maintaining your retirement plan straight. Furthermore, an added advantage comes in the form of tax deduction permits if you present your statement as evidence of your savings (still, a very effective way to reduce one's taxable income!).

What If You Forget Your PRAN or Face Problems?

First of all, if you have misplaced your PRAN number, it is sufficient to indicate that you would like to check without PRAN and proceed with bank-related details or a branch visit for assistance. Secondly, in case you change your mobile phone number, be sure to change it so that you won't be missing important OTPs or notification updates from here onward.

Regularly reviewing your APY account is a small step that secures your peace of mind for the time to come. If you want your pension to become increasingly better, then a short visit occasionally will allow you to accomplish that. So, why not go ahead and do it today, thereby relieving yourself from the burden of worrying about your retirement ​‍​‌‍​‍‌​‍​‌‍​‍‌tomorrow?

Conclusion 

Checking your APY account regularly is a small habit that brings you a lot of peace for the future. It’s like watering a plant—you want your pension to grow strong, and a quick check now and then helps you do just that. So go ahead, check your APY account today, and rest easy knowing your retirement is being taken care of!