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Pension Schemes
All major Indian govt pension schemes — eligibility, benefits, contribution.
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NPS (National Pension System)
For: Anyone 18-70
Benefit: Market-linked, tax 80C+80CCD(1B)
Contribution: Min ₹500/yr
EPS (EPF Pension)
For: EPF members
Benefit: Pension after 10+ yrs service
Contribution: 8.33% via employer
APY (Atal Pension Yojana)
For: Unorganized, 18-40
Benefit: ₹1K-5K guaranteed pension at 60
Contribution: Variable by age + pension
PMSYM (Shram Yogi Maandhan)
For: Unorganized, monthly income ≤ ₹15K
Benefit: ₹3,000 pension at 60
Contribution: ₹55-200/mo (govt matches)
PMKMY (Kisan Maandhan)
For: Small farmers (under 2 hectare)
Benefit: ₹3,000/mo at 60
Contribution: ₹55-200/mo
PMVVY (Vaya Vandana)
For: 60+ senior citizens
Benefit: Guaranteed 7.4% (₹1K-9.25K/mo)
Contribution: Lump sum, max ₹15L
IGNOAPS (Old Age Pension)
For: BPL, 60+
Benefit: ₹200-500/mo
Contribution: No contribution
IGNWPS (Widow Pension)
For: BPL widows, 40-79
Benefit: ₹300-500/mo
Contribution: No contribution
IGNDPS (Disability Pension)
For: BPL disabled, 18+
Benefit: ₹300-500/mo
Contribution: No contribution
◆ How it works
Pension Schemes — 3 simple steps
01
Find scheme matching profile
Salaried, unorganized, senior, etc.
02
Apply via designated portal
Most have online enrollment
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