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+{{htmlmetatags>metatag-keywords=(rti, atal, pension, yojana, RTI Act, RTI Wiki)&metatag-description=(Atal Pension Yojana (APY) issue? File one RTI — Ramesh, 60, applied for APY annuity start — pension delayed 4 months. He filed RTI to PFRDA + bank. 22…)}}
+====== Atal Pension Yojana (APY) issue? File one RTI ======
+{{ :social:auto:rti-atal-pension-yojana.png?direct&1200 |Social auto rti atal pension yojana}}
+{{page>snippets:dpdp-banner|Page>snippets dpdp banner}}
+<WRAP info>
+**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.
+</WRAP>
+===== 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 =====
+<code>
+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:
+. Complete contribution log from APY start to date.
+. Reason for any missing month's contribution.
+. Status of withdrawal/exit Form (if applicable).
+. Annuity start date (if reached 60).
+. Name + designation of dealing officer.
+. Procedure for grievance escalation under PFRDA.
+Citizen of India. Fee: ₹10 IPO/DD enclosed.
+[Name + signature + address + date]
+</code>
+===== 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.//
+===== 🔗 Related guides =====
+  * [[:apply-atal-pension-yojana-2026|How to apply for Atal Pension Yojana — complete 2026 guide]]
+  * [[:rti-nps-partial-withdrawal|NPS Tier-2 / partial withdrawal stuck? File one RTI]]
+  * [[:rti-cghs-card-claim|CGHS card / reimbursement claim stuck? File one RTI]]
+  * [[:rti-demat-dp-transfer|Demat / DP transfer stuck? File one RTI]]
+  * [[:rti-epf-claim-delayed|EPF claim stuck? Make EPFO answer with one RTI]]
+{{tag>atal-pension-yojana apy pfrda nps pension citizen-rti section-6-1 financial}}

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