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VOL. 12, ISSUE 2 (2026)
A study on awareness, benefits and growth of atal pension yojana among youth and unorganised sector workers in India
Authors
Dr. G Ravichandiran, M Jeeva, Surya
Abstract
The Atal Pension Yojana (APY) is a
government-backed social security scheme aimed at providing financial stability
to individuals in the unorganised sector. This study examines the awareness,
benefits, and growth trends of APY from 2022 to 2025. It analyses existing
literature, enrolment data, and contribution patterns to understand
participation behavior. The findings reveal that although the scheme has
achieved significant growth in enrolment, awareness and participation remain
uneven across regions and income groups. The study also highlights the
importance of digital initiatives and financial literacy in enhancing adoption.
Suggestions are provided to improve awareness, flexibility, and overall
effectiveness of the scheme.
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Pages:28-31
How to cite this article:
Dr. G Ravichandiran, M Jeeva, Surya "A study on awareness, benefits and growth of atal pension yojana among youth and unorganised sector workers in India". International Journal of Commerce and Management Research, Vol 12, Issue 2, 2026, Pages 28-31
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