<h1>Atal Pension Yojana offers a guaranteed pension with digital registration, online account access, and an online grievance mechanism.</h1> Atal Pension Yojana provides a guaranteed pension payable to subscribers and their spouse, with accumulated pension wealth payable to a nominee on the death of both; the scheme uses the same investment pattern as NPS contributions for central government employees. Operationally, APY has established digital access (ePRAN and account statements), mobile applications, online registration through a fully digital eNPS channel without physical documents, and an online grievance mechanism, supported by a network of banks and post offices to expand outreach.