Indira Gandhi National Old Age Pension Scheme (IGNOAPS)

এটি কী?

The Indira Gandhi National Old Age Pension Scheme is one of the five components of the National Social Assistance Programme (NSAP), which started on 15 August 1995 and is run by the Ministry of Rural Development. It works in both rural and urban areas.

The scheme gives a monthly pension to elderly people aged 60 years and above who belong to families living below the poverty line. The Central Government share is Rs 200 per month for those aged 60 to 79 years, and Rs 500 per month for those aged 80 years and above.

This is the point that is most often misunderstood. The amounts above are only the Central Government's share. States and Union Territories are encouraged to add an equal or higher top-up from their own funds. Official material records that state top-ups under the old age pension component range from Rs 50 to Rs 5,700 per month, and that the average pension actually received in many states and UTs works out to around Rs 1,100 per month. So the amount that reaches a pensioner depends heavily on which state they live in.

Gram Panchayats and Municipalities play an active part in identifying who is covered. Payment is normally made by Direct Benefit Transfer into a bank or post office savings account, or by postal money order. In extreme cases where a person cannot get to the bank or post office, cash at the doorstep is also allowed under the scheme guidelines.

An Aadhaar-based mobile application for Digital Life Certificate was launched on 15 July 2025 to make the yearly life verification easier than the old manual process.

সম্ভাব্য সুবিধা

₹200 – ₹500 per month (central share only)

Central assistance is Rs 200 per month for beneficiaries aged 60 to 79 years and Rs 500 per month for those aged 80 years and above. States and UTs are encouraged to add a top-up from their own funds; recorded state top-ups under this component range from Rs 50 to Rs 5,700 per month, giving an average pension of around Rs 1,100 per month in many states and UTs.

কারা আবেদন করতে পারেন?

সরকারের জানানো অন্যান্য শর্ত

• Age 60 years and above.
• The person must belong to a family living below the poverty line, as identified by the Government of India.
• There is a scheme-wise ceiling or cap for each State and UT on the number of beneficiaries, so selection is limited by that cap.
• Beneficiaries aged 80 years and above are placed in the higher Rs 500 per month central slab.

যোগ্যতা সংক্রান্ত তথ্য কেবল জানানোর উদ্দেশ্যে দেওয়া। চূড়ান্ত যোগ্যতা ও অনুমোদন নির্ধারণ করে সংশ্লিষ্ট সরকারি কর্তৃপক্ষ।

কীভাবে আবেদন করবেন

Gram Panchayats and Municipalities identify eligible people under NSAP, so the application is made through the Gram Panchayat, Municipality or the district office of the department handling social welfare or rural development in that state. Pension is then paid by DBT into a bank or post office account, or by postal money order. Annual life verification can be completed using the Aadhaar-based Digital Life Certificate mobile application launched on 15 July 2025.

কোথায় আবেদন করবেন: offline and panchayat

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