Subscribers of the central government's Atal Pension Yojana (APY) will get a pension of up to Rs 5,000 every month after the age of 60. This government-guaranteed pension scheme has other benefits as well. Regardless of your occupation, if you are between 18 and 40 years of age, you can join the scheme. One can join till the day you turn 40. For example, if your 40th birthday is on October 13, 2025, you can join the scheme till that day. It will not be possible from the next day. Employees of government public sector undertakings can also join the scheme. Those who have joined the NPS pension can also join. But no one should be an income tax payer.