NPS vs APY: Difference between Atal Pension Yojana vs NPS

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Returns under Atal Pension Yojana

Below is a table mentioning the age of joining of an individual towards the scheme and their years of contribution in a single column. The next column defines their amount of indicative monthly contribution (in ₹).

In this case, individuals and their spouses would receive a fixed monthly pension of ₹1000, and the indicative return of corpus to the nominee of an individual would amount to ₹1.7 lakhs.

Age of Joining, Years of Contribution	Indicative Monthly Contribution (in ₹)
18, 42	42
20, 40	50
25, 35	76
30, 30	116
35, 25	181
40, 20	291

Age of Joining, Years of Contribution	Indicative Monthly Contribution (in ₹)
18, 42	84
20, 40	100
25, 35	151
30, 30	231
35, 25	362
40, 20	582

Age of Joining, Years of Contribution	Indicative Monthly Contribution (in ₹)
18, 42	126
20, 40	150
25, 35	226
30, 30	347
35, 25	543
40, 20	873

Age of Joining, Years of Contribution	Indicative Monthly Contribution (in ₹)
18, 42	168
20, 40	198
25, 35	301
30, 30	462
35, 25	722
40, 20	1164

Age of Joining, Years of Contribution	Indicative Monthly Contribution (in ₹)
18, 42	210
20, 40	248
25, 35	376
30, 30	577
35, 25	902
40, 20	1454

NPS vs APY: Difference between Atal Pension Yojana vs National Pension Scheme

A Brief Insight into NPS vs APY

Differences between Atal Pension and NPS

Age of Joining

Eligibility Criteria

Type of Account

Nomination

Slab of Pension

Guaranteed Returns

Premature Withdrawal

Investment Choice

Account Number

Government Contribution

What are the Similarities between NPS and APY?

Where Should You Invest for Optimal Returns – NPS or APY?

Returns under National Pension System

Subscriber Type: Aggressive Subscriber

Subscriber Type: Balanced Subscriber

Subscriber Type: Conservative Subscriber

Returns under Atal Pension Yojana

Which is a Better and Safer Investment Option – Atal Pension Yojana vs NPS?

Can Anyone Invest in Both NPS and APY?

Frequently Asked Questions

✓ How can an individual contribute to the National Pension System?

✓ Will an individual receive a transaction statement under the National Pension System and the Atal Pension Yojana?

✓ Does a penalty exist for discontinuing contributions in the National Pension System and Atal Pension Yojana?

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