Pension Schemes (Central Sector)
Guaranteed pensions for unorganised workers, Atal Pension Yojana for all citizens, and Unified Pension Scheme. Below is the complete table and detailed summaries of all active and landmark central schemes under this category, verified on 15 October 2026.
Master Table: Pension Schemes
| # | Scheme Name | Key Financial Benefit | Target Beneficiary | Current Status | Action |
|---|---|---|---|---|---|
| 36 | PM Shram Yogi Maandhan: Rs 3,000 Pension for Workers, Apply Also: Shram Yogi pension, labour pension 3000 | Minimum Rs 3,000 a month pension after 60. | Unorganised workers aged 18 to 40 earning up to Rs 15,000 a month. | Active | Read Details → |
| 37 | Atal Pension Yojana 2026: Chart, Rs 5,000 Pension, Eligibility Also: APY, Atal pension | Fixed pension of Rs 1,000, 2,000, 3,000, 4,000 or 5,000 a month from 60. | Indian citizens aged 18 to 40 with a bank or post office savings account. Not for income tax payers (from 1 Oct 2022). | Updated 2026 | Read Details → |
| 38 | Unified Pension Scheme (UPS): Rules, Payout, Deadline Also: UPS pension | 50% of average basic pay of the last 12 months, after 25 years of service (proportionate for 10-25 years). | Central Government employees covered by NPS. | Active | Read Details → |
Scheme Profiles & Quick Facts
36. PM Shram Yogi Maandhan: Rs 3,000 Pension for Workers, Apply
Ministry: Ministry of Labour and EmploymentWhat it gives: A voluntary pension scheme for unorganised workers. You and the government pay equal amounts until 60, then you get a monthly pension.
Who is eligible: Unorganised workers aged 18 to 40 earning up to Rs 15,000 a month.
37. Atal Pension Yojana 2026: Chart, Rs 5,000 Pension, Eligibility
Ministry: Department of Financial Services, Ministry of Finance (PFRDA)What it gives: A guaranteed pension of Rs 1,000 to Rs 5,000 a month from age 60, for a small monthly saving.
Who is eligible: Indian citizens aged 18 to 40 with a bank or post office savings account. Not for income tax payers (from 1 Oct 2022).
38. Unified Pension Scheme (UPS): Rules, Payout, Deadline
Ministry: Department of Financial Services, Ministry of Finance (PFRDA)What it gives: An option under NPS for Central Government employees that gives an assured monthly payout after retirement.
Who is eligible: Central Government employees covered by NPS.