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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

What are the Similarities between NPS and APY?

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

Returns under National Pension System

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

The following table again lists out 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 ₹). 

Here, individuals and their spouses would receive a fixed monthly pension of ₹2000, and the indicative return of corpus to the nominee of the individual would amount to ₹3.4 lakhs.

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

Similarly, the following table again lists out 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 ₹). 

Here, individuals and their spouses would receive a fixed monthly pension of ₹3000, and the indicative return of corpus to the nominee of the individual would amount to ₹5.1 lakhs.

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

In the same manner, the following table again lists out 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 ₹). Here, individuals and their spouses would receive a fixed monthly pension of ₹4000, and the indicative return of corpus to the nominee of the individual would amount to ₹6.8 lakh.

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

The table below again lists out 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 ₹). 

Here, individuals and their spouses would receive a fixed monthly pension of ₹5000, and the indicative return of corpus to the nominee of the individual would amount to ₹8.5 lakhs.

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

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

Can Anyone Invest in Both NPS and APY?

Frequently Asked Questions