Which of the following correctly lists the THREE essential eligibility conditions for subscribing to the Atal Pension Yojana (AP

Three essential conditions for APY eligibility are: (1) The applicant must be an Indian citizen. (2) Age at enrolment must be between 18 and 40 years — pension commences at 60, so the maximum contribution period is 20 years. (3) A savings bank account or post office savings bank account is mandatory since contributions are collected through auto-debit. Additionally, from 1st October 2022, any person who is or has been an income-tax payer is ineligible to enrol in APY. APY is not restricted to unorganised sector workers only, a Demat account is not required, and being covered under NPS does not disqualify a person from also subscribing to APY provided other conditions are met.