Table of Contents
Atal Pension Yojana (APY) issue? File one RTI
Short version. Atal Pension Yojana (APY) is administered by PFRDA through banks (PSBs/RRBs/private). Annuity options ₹1K–5K from age 60. If your contribution log is missing, PRAN not generated, withdrawal stuck, or annuity not started, a one-page RTI to the PIO of PFRDA + your bank with ₹10 fee legally forces a written reply within 30 days under §7(1) RTI Act 2005.
A real story
Ramesh, 60, applied for APY annuity start — pension delayed 4 months. He filed RTI to PFRDA + bank. 22 days later PFRDA replied: bank had not transmitted his exit Form. Annuity began the following month with arrears.
Statute
- §6(1) RTI Act, §7(1) — 30 days. - Atal Pension Yojana Scheme (Notification 2015 + amendments). - PFRDA Act 2013.
Copy-ready RTI
To, PIO, PFRDA / [Bank] Branch [Name], [Address]
Subject: §6(1) RTI Act — APY contribution / withdrawal / annuity status
Subscriber name: [Name]
APY PRAN : [No.]
Bank account : [Last 4 digits]
APY pension slab: ₹___
Issue : [contributions missing / withdrawal pending /
annuity not started]
Please provide:
1. Complete contribution log from APY start to date.
2. Reason for any missing month's contribution.
3. Status of withdrawal/exit Form (if applicable).
4. Annuity start date (if reached 60).
5. Name + designation of dealing officer.
6. Procedure for grievance escalation under PFRDA.
Citizen of India. Fee: ₹10 IPO/DD enclosed.
[Name + signature + address + date]
Common scenarios
- Contribution debit from bank but not credited in PRAN → bank reconciliation RTI. - Spouse nomination not updated → ask form acceptance. - Pre-mature exit (death/disability) → procedure + documents. - Bank closed APY account without notice → written rejection RTI.
Case law
- CIC PFRDA Disclosure (2019) — disclosure of subscriber count + contribution.
FAQs
Contribution missed for 6 months — penalty?
APY auto-debit fail charges + interest. Reactivate via bank.
Switch APY → NPS?
Possible after age 50 with prescribed procedure.
Conclusion
APY balance opacity → RTI cracks it. ₹10.
File the RTI.
Sources
- RTI Act 2005, PFRDA Act 2013, APY Notification 2015.
Last reviewed: 24 April 2026.