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    <title>Now 80 lakh subscribers’ base under Atal Pension Yojana</title>
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    <description>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.</description>
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