5/11/2025, 6:15:07 pm

NPS vs APY: Understanding Key Features and Returns

India's National Pension Scheme (NPS) and Atal Pension Yojana (APY) have crossed nine crore subscribers with over Rs 16 lakh crore assets under management as of October 9, 2025. Regulated by PFRDA, both schemes offer varying features, returns, and taxation benefits for employed and unemployed citizens. NPS requires a minimum investment of Rs 500 and age between 18-70 years.