{"id":74436,"date":"2026-10-05T14:56:43","date_gmt":"2026-10-05T09:26:43","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=74436"},"modified":"2026-10-05T14:56:45","modified_gmt":"2026-10-05T09:26:45","slug":"national-pension-system-nps-and-atal-pension-yojana-apy","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/","title":{"rendered":"Attempt Quiz on NPS and APY Features, Benefits &amp; Latest Updates"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#Download_NPS_and_APY_Quiz_PDF\" >Download NPS and APY Quiz PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#Attempt_NPS_and_APY_Practice_Quiz\" >Attempt NPS and APY Practice Quiz<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#Sign_Up\" >Sign Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#Login\" >Login<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#Forgot_Password\" >Forgot Password<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#i\" >&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#What_is_the_National_Pension_System\" >What is the National Pension System?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#What_are_the_main_features_of_NPS_Tier_I_and_Tier_II_accounts\" >What are the main features of NPS Tier I and Tier II accounts?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#How_does_NPS_work_for_subscribers\" >How does NPS work for subscribers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#What_are_the_investment_choices_available_under_NPS\" >What are the investment choices available under NPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#What_are_the_withdrawal_and_exit_rules_under_NPS\" >What are the withdrawal and exit rules under NPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#What_is_Atal_Pension_Yojana\" >What is Atal Pension Yojana?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#Who_can_join_Atal_Pension_Yojana\" >Who can join Atal Pension Yojana?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#How_much_pension_is_guaranteed_under_APY\" >How much pension is guaranteed under APY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#How_are_APY_contributions_decided\" >How are APY contributions decided?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#What_benefits_does_the_APY_subscribers_family_receive\" >What benefits does the APY subscriber&#8217;s family receive?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#What_is_the_difference_between_NPS_and_APY\" >What is the difference between NPS and APY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#What_is_NPS_Swasthya_introduced_through_the_September_2026_PFRDA_guidelines\" >What is NPS Swasthya introduced through the September 2026 PFRDA guidelines?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#What_are_the_contribution_and_charge_details_under_NPS_Swasthya\" >What are the contribution and charge details under NPS Swasthya?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#What_did_PFRDA_change_regarding_NPS_transactions_in_September_2026\" >What did PFRDA change regarding NPS transactions in September 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#Did_the_September_2026_PFRDA_updates_change_the_APY_pension_amount\" >Did the September 2026 PFRDA updates change the APY pension amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>The National Pension System (NPS) and Atal Pension Yojana (APY) are two important pension schemes regulated by the Pension Fund Regulatory and Development Authority (PFRDA). While NPS is a market-linked retirement savings system that allows subscribers to build a pension corpus, APY focuses on providing a guaranteed minimum pension after the age of 60. <\/p>\n\n\n\n<p>For aspirants preparing for banking and regulatory exams, understanding their eligibility, contribution, withdrawal, pension benefits and latest regulatory changes is important. PFRDA&#8217;s 2026 updates, especially the NPS Swasthya guidelines issued in September 2026, have added an important new dimension to the pension ecosystem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Download_NPS_and_APY_Quiz_PDF\"><\/span>Download NPS and APY Quiz PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Download the NPS and APY Quiz PDF to revise important concepts, features, benefits, eligibility, contributions and latest PFRDA updates. The PDF is useful for quick revision and exam-focused practice.<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong><a href=\"https:\/\/www.oliveboard.in\/government-scheme-practice-questions-pdf\/?ref=contac-govsc-nps-apy\" target=\"_blank\" rel=\"noreferrer noopener\">Download Free PDF<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Attempt_NPS_and_APY_Practice_Quiz\"><\/span>Attempt NPS and APY Practice Quiz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Test your preparation with the NPS and APY Practice Quiz and check your understanding of key concepts, differences, benefits and recent updates.<\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-1-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-1-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-1 * { box-sizing: border-box; }\n\n#quiz-1 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-1 h2 {\n  text-align: center;\n}\n\n#quiz-1 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-1 .question p {\n  font-weight: bold;\n}\n\n#quiz-1 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-1 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-1 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-1 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-1 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-1 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-1 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-1 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-1 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-1 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-1 .bar-attempted { background: #2196f3; }\n#quiz-1 .bar-correct { background: #4caf50; }\n#quiz-1 .bar-wrong { background: #f44336; }\n#quiz-1 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-1 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-1 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-1\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-1-sticky-header\">\n  <span> NPS and APY Practice Quiz <\/span>\n  <span id=\"quiz-1-score-badge\">Score: <strong id=\"quiz-1-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n  <p>1. Which statement best describes the National Pension System (NPS)?<\/p>\n  <button data-correct=\"true\">It is a defined contribution, market-linked pension system regulated by PFRDA.<\/button>\n  <button data-correct=\"false\">It is a provident fund scheme available only to Central Government employees.<\/button>\n  <button data-correct=\"false\">It is a bank deposit scheme regulated by RBI.<\/button>\n  <button data-correct=\"false\">It is an insurance-only pension product regulated by IRDAI.<\/button>\n  <button data-correct=\"false\">It is a defined benefit scheme guaranteeing a fixed pension to every subscriber.<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. NPS became operational for eligible new Central Government employees from which date?<\/p>\n  <button data-correct=\"false\">1 May 2009<\/button>\n  <button data-correct=\"false\">1 June 2015<\/button>\n  <button data-correct=\"false\">1 October 2022<\/button>\n  <button data-correct=\"false\">9 May 2015<\/button>\n  <button data-correct=\"true\">1 January 2004<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. When was NPS opened on a voluntary basis to all citizens of India?<\/p>\n  <button data-correct=\"true\">1 May 2009<\/button>\n  <button data-correct=\"false\">1 June 2010<\/button>\n  <button data-correct=\"false\">1 January 2004<\/button>\n  <button data-correct=\"false\">1 April 2025<\/button>\n  <button data-correct=\"false\">9 May 2015<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. What does PRAN stand for in the NPS framework?<\/p>\n  <button data-correct=\"false\">Pension Registration and Allocation Number<\/button>\n  <button data-correct=\"false\">Pension Record Authentication Number<\/button>\n  <button data-correct=\"false\">Personal Retirement Account Nomination<\/button>\n  <button data-correct=\"true\">Permanent Retirement Account Number<\/button>\n  <button data-correct=\"false\">Permanent Retirement Annuity Number<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. Which authority regulates the National Pension System in India?<\/p>\n  <button data-correct=\"false\">Securities and Exchange Board of India (SEBI)<\/button>\n  <button data-correct=\"true\">Pension Fund Regulatory and Development Authority (PFRDA)<\/button>\n  <button data-correct=\"false\">Reserve Bank of India (RBI)<\/button>\n  <button data-correct=\"false\">Insurance Regulatory and Development Authority of India (IRDAI)<\/button>\n  <button data-correct=\"false\">Employees Provident Fund Organisation (EPFO)<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>6. Under the current NPS All Citizen Model, what is the eligible entry-age range stated in the provided material?<\/p>\n  <button data-correct=\"false\">18 to 70 years<\/button>\n  <button data-correct=\"false\">18 to 40 years<\/button>\n  <button data-correct=\"false\">21 to 60 years<\/button>\n  <button data-correct=\"false\">25 to 75 years<\/button>\n  <button data-correct=\"true\">18 to 85 years<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>7. Which of the following is eligible to join NPS under the All Citizen Model, subject to applicable conditions?<\/p>\n  <button data-correct=\"false\">A trust as a personal NPS account holder<\/button>\n  <button data-correct=\"true\">An Overseas Citizen of India (OCI)<\/button>\n  <button data-correct=\"false\">A partnership firm in its own name<\/button>\n  <button data-correct=\"false\">A private limited company as an individual subscriber<\/button>\n  <button data-correct=\"false\">A Hindu Undivided Family (HUF)<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>8. Which NPS account is the principal retirement-oriented account?<\/p>\n  <button data-correct=\"false\">Tier II<\/button>\n  <button data-correct=\"true\">Tier I<\/button>\n  <button data-correct=\"false\">Annuity Tier<\/button>\n  <button data-correct=\"false\">Health Tier<\/button>\n  <button data-correct=\"false\">Corporate Savings Account<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>9. Which statement best describes NPS Tier II?<\/p>\n  <button data-correct=\"false\">It is mandatory for all NPS subscribers.<\/button>\n  <button data-correct=\"false\">It is available only to APY subscribers.<\/button>\n  <button data-correct=\"true\">It is an optional, flexible investment account linked to an active Tier I account for eligible subscribers.<\/button>\n  <button data-correct=\"false\">It is the account from which annuity must always be purchased.<\/button>\n  <button data-correct=\"false\">It provides a guaranteed pension of up to Rs.5,000 per month.<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>10. Under NPS Active Choice, what is the maximum allocation to Equity (E) under the common-scheme limits stated above?<\/p>\n  <button data-correct=\"false\">50%<\/button>\n  <button data-correct=\"false\">100%<\/button>\n  <button data-correct=\"true\">75%<\/button>\n  <button data-correct=\"false\">25%<\/button>\n  <button data-correct=\"false\">80%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>11. Under NPS Active Choice, what is the maximum allocation to Alternative Investment Funds (A) stated in the material?<\/p>\n  <button data-correct=\"false\">15%<\/button>\n  <button data-correct=\"false\">10%<\/button>\n  <button data-correct=\"false\">40%<\/button>\n  <button data-correct=\"true\">5%<\/button>\n  <button data-correct=\"false\">25%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>12. What is the key feature of NPS Auto Choice or Life Cycle Funds?<\/p>\n  <button data-correct=\"false\">The investment pattern never changes after account opening.<\/button>\n  <button data-correct=\"false\">Only Government Securities are permitted.<\/button>\n  <button data-correct=\"true\">Asset allocation changes automatically with the subscriber&#8217;s age.<\/button>\n  <button data-correct=\"false\">The entire corpus is always invested in equity.<\/button>\n  <button data-correct=\"false\">The subscriber receives a fixed pension from the date of joining.<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>13. What is the main purpose of the Multiple Scheme Framework (MSF) for eligible non-government NPS subscribers?<\/p>\n  <button data-correct=\"false\">To convert every NPS account into APY.<\/button>\n  <button data-correct=\"false\">To make Tier II mandatory.<\/button>\n  <button data-correct=\"false\">To guarantee a fixed return on equity.<\/button>\n  <button data-correct=\"false\">To abolish the need for a PRAN.<\/button>\n  <button data-correct=\"true\">To allow investment across multiple schemes under the same PRAN, subject to the framework.<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>14. For ordinary NPS partial withdrawal before age 60, the maximum amount is generally linked to what?<\/p>\n  <button data-correct=\"false\">20% of annuity proceeds<\/button>\n  <button data-correct=\"false\">100% of the total corpus<\/button>\n  <button data-correct=\"false\">50% of employer contributions only<\/button>\n  <button data-correct=\"false\">25% of the total market value including all returns<\/button>\n  <button data-correct=\"true\">25% of the subscriber&#8217;s own contributions, excluding appreciation\/returns<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>15. How many partial withdrawals before age 60 are stated as permitted under the revised NPS framework in the provided material?<\/p>\n  <button data-correct=\"false\">Only 1<\/button>\n  <button data-correct=\"false\">Up to 2<\/button>\n  <button data-correct=\"false\">Unlimited<\/button>\n  <button data-correct=\"false\">Up to 3<\/button>\n  <button data-correct=\"true\">Up to 4<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>16. What is the normal minimum interval between ordinary NPS partial withdrawals before age 60, as stated above?<\/p>\n  <button data-correct=\"false\">2 years<\/button>\n  <button data-correct=\"false\">5 years<\/button>\n  <button data-correct=\"false\">3 years<\/button>\n  <button data-correct=\"true\">4 years<\/button>\n  <button data-correct=\"false\">1 year<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>17. Which date is associated with the major 2026 amendment to the PFRDA NPS Exit and Withdrawal Regulations mentioned above?<\/p>\n  <button data-correct=\"false\">31 March 2026<\/button>\n  <button data-correct=\"false\">14 September 2026<\/button>\n  <button data-correct=\"false\">1 October 2026<\/button>\n  <button data-correct=\"false\">18 September 2026<\/button>\n  <button data-correct=\"true\">20 July 2026<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>18. Under the revised non-government NPS normal-exit structure described above, what maximum share may generally be taken as lump sum?<\/p>\n  <button data-correct=\"false\">Exactly 100% in every case<\/button>\n  <button data-correct=\"true\">Up to 80%<\/button>\n  <button data-correct=\"false\">Up to 40%<\/button>\n  <button data-correct=\"false\">Up to 60%<\/button>\n  <button data-correct=\"false\">Up to 20%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>19. Under the revised normal-exit framework described above, what is the general minimum annuitisation share?<\/p>\n  <button data-correct=\"false\">25%<\/button>\n  <button data-correct=\"false\">10%<\/button>\n  <button data-correct=\"true\">20%<\/button>\n  <button data-correct=\"false\">40%<\/button>\n  <button data-correct=\"false\">80%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>20. Under the normal-exit small-corpus relaxation described above, what can happen when the corpus is up to Rs.8 lakh?<\/p>\n  <button data-correct=\"false\">Only Rs.1 lakh can be withdrawn.<\/button>\n  <button data-correct=\"false\">The entire corpus must remain locked until age 85.<\/button>\n  <button data-correct=\"false\">A minimum 80% must be annuitised.<\/button>\n  <button data-correct=\"true\">100% may be taken through permitted payout modes such as lump sum\/systematic options.<\/button>\n  <button data-correct=\"false\">The account automatically converts into APY.<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>21. Under the normal-exit small-corpus provisions described above, which corpus band receives a special rule where up to Rs.6 lakh may be taken as lump sum?<\/p>\n  <button data-correct=\"false\">More than Rs.2 lakh and up to Rs.5 lakh<\/button>\n  <button data-correct=\"false\">Any corpus above Rs.50 lakh<\/button>\n  <button data-correct=\"true\">More than Rs.8 lakh and up to Rs.12 lakh<\/button>\n  <button data-correct=\"false\">More than Rs.5 lakh and up to Rs.8 lakh<\/button>\n  <button data-correct=\"false\">More than Rs.12 lakh and up to Rs.20 lakh<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>22. Under the revised premature-exit rule described above, what is the general maximum lump-sum share?<\/p>\n  <button data-correct=\"false\">80%<\/button>\n  <button data-correct=\"false\">10%<\/button>\n  <button data-correct=\"true\">20%<\/button>\n  <button data-correct=\"false\">40%<\/button>\n  <button data-correct=\"false\">60%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>23. Under the revised premature-exit rule, what is the general minimum annuitisation share?<\/p>\n  <button data-correct=\"false\">40%<\/button>\n  <button data-correct=\"true\">80%<\/button>\n  <button data-correct=\"false\">20%<\/button>\n  <button data-correct=\"false\">50%<\/button>\n  <button data-correct=\"false\">60%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>24. What small-corpus threshold is stated above for possible 100% withdrawal on premature exit from NPS?<\/p>\n  <button data-correct=\"false\">Rs.2 lakh or less<\/button>\n  <button data-correct=\"false\">Rs.10 lakh or less<\/button>\n  <button data-correct=\"true\">Rs.5 lakh or less<\/button>\n  <button data-correct=\"false\">Rs.8 lakh or less<\/button>\n  <button data-correct=\"false\">Rs.12 lakh or less<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>25. Under the current framework described above, what happens to the old 5-year minimum subscription rule for the NPS All Citizen Model?<\/p>\n  <button data-correct=\"true\">It has been removed in the revised framework described above.<\/button>\n  <button data-correct=\"false\">It has been reduced to 3 years but remains mandatory.<\/button>\n  <button data-correct=\"false\">It has been increased to 10 years.<\/button>\n  <button data-correct=\"false\">It applies only to Tier II.<\/button>\n  <button data-correct=\"false\">It was replaced by a 20-year lock-in for all subscribers.<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\n        <span data-count=\"wrong\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Unattempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\n        <span data-count=\"unattempted\">0<\/span>\n      <\/div>\n\n      <div class=\"final-score\">\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n<div class=\"modal modal-obls\" id=\"modal-signup\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n       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src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437394_8652&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437394_8652\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 44px; width: 204px; border: 0px; margin: -2px -10px;\"><\/iframe><\/div><\/div>\n                   <\/div>\n                   <h6 class=\"signup-subheader\">Or, register with email<\/h6>\n                   <label class=\"errormsg txt-red courseUp\"><\/label>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                        <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" 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Opens in new tab<\/span><\/div><\/div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437400_306436&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437400_306436\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 0px; width: 0px; border: 0px;\"><\/iframe><\/div><\/div>\n\n\n                   <\/div>\n                    <p class=\"obls-footer\">New to Oliveboard?<button class=\"btn btn-xs btn-switch-obls\" id=\"btn-show-modal-signup\">Register<\/button><\/p>\n               <\/div> \n            <\/div> \n            <div class=\"success-msg-group\" id=\"success-msg-group\"><!-- success msg -->\n                <div class=\"success-msg-blk\" id=\"success-msg-blk\">\n                    <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/success-ellipse.svg\" alt=\"\"><\/span>\n                    <h2 id=\"fpwd-success-msg-title\"><span class=\"ez-toc-section\" id=\"i\"><\/span>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                    <p id=\"fpwd-success-msg-text\">&nbsp;<\/p>\n                    <div class=\"login-btn\">\n                        <button type=\"button\" class=\"btn btn-md btn-tblue modal-obls-close\">Ok<\/button>\n                    <\/div>\n\n                <\/div>\n            <\/div><!-- success msg -->\n\n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<script src=\"https:\/\/s3-ap-southeast-1.amazonaws.com\/sg2.oliveboard.in\/static\/js\/jquery.js\"><\/script>\n\n<script>\nvar boxurl = window.location.href + '?log=1';\n\nfunction getUrlParam(name, defaultValue) {\n    const params = new URLSearchParams(window.location.search);\n    return params.has(name) ? 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It helps individuals create a retirement corpus by making regular contributions that are invested in permitted asset classes. Unlike a traditional fixed-pension system, NPS returns are linked to market performance. NPS is available through government and non-government models, including the All Citizen Model, Corporate Model, Central Government and State Government models.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It is regulated by PFRDA.<\/li>\n\n\n\n<li>It is a defined-contribution and market-linked pension system.<\/li>\n\n\n\n<li>Under the All Citizen Model, eligible individuals can join between 18 and 85 years.<\/li>\n\n\n\n<li>Subscribers can choose from permitted investment options.<\/li>\n\n\n\n<li>NPS has Tier 1 and Tier 2 accounts.<\/li>\n\n\n\n<li>Tier 1 is the main retirement account.<\/li>\n\n\n\n<li>Tier 2 is an optional investment account linked to Tier 1.<\/li>\n\n\n\n<li>The final pension depends on the accumulated corpus and annuity chosen at exit.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-main-features-of-nps-tier-i-and-tier-ii-accounts\"><span class=\"ez-toc-section\" id=\"What_are_the_main_features_of_NPS_Tier_I_and_Tier_II_accounts\"><\/span>What are the main features of NPS Tier I and Tier II accounts?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NPS provides two types of accounts to subscribers. Tier 1 is the primary pension account and is designed for long-term retirement savings. Withdrawals from this account are governed by PFRDA rules. <\/p>\n\n\n\n<p>Tier 2 is an optional account that offers greater withdrawal flexibility and works as an investment account for eligible NPS subscribers. The tax treatment and withdrawal conditions of the two accounts are different.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Tier 1<\/strong><\/td><td><strong>Tier 2<\/strong><\/td><\/tr><tr><td>Purpose<\/td><td>Retirement savings<\/td><td>Voluntary investment<\/td><\/tr><tr><td>Nature<\/td><td>Main NPS account<\/td><td>Optional account<\/td><\/tr><tr><td>Withdrawal<\/td><td>Subject to NPS rules<\/td><td>Generally more flexible<\/td><\/tr><tr><td>Pension role<\/td><td>Main retirement account<\/td><td>No direct pension role<\/td><\/tr><tr><td>Eligibility<\/td><td>Main NPS account<\/td><td>Requires active Tier I account<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/free-quizzes-for-regulatory-exams\/?ref=contac-govsc-nps-apy\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Free Quiz for Regulatory Exams<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-nps-work-for-subscribers\"><span class=\"ez-toc-section\" id=\"How_does_NPS_work_for_subscribers\"><\/span>How does NPS work for subscribers?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NPS follows a simple contribution-and-investment model. A subscriber contributes money to the NPS account, and the contribution is invested through the NPS investment structure. The accumulated amount grows based on contributions and investment performance. At exit, the subscriber can withdraw the permitted lump-sum amount and use the required portion for purchasing an annuity, subject to the applicable rules.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-investment-choices-available-under-nps\"><span class=\"ez-toc-section\" id=\"What_are_the_investment_choices_available_under_NPS\"><\/span>What are the investment choices available under NPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NPS allows subscribers to select an investment approach based on their risk preference and retirement goals. Under Active Choice, the subscriber decides the allocation among permitted asset classes within the applicable limits. Under Auto Choice or Lifecycle Choice, the allocation is adjusted automatically with age. The major asset classes used under NPS include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Equity<\/li>\n\n\n\n<li>Corporate debt<\/li>\n\n\n\n<li>Government securities<\/li>\n\n\n\n<li>Other permitted investments under the applicable PFRDA framework<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-withdrawal-and-exit-rules-under-nps\"><span class=\"ez-toc-section\" id=\"What_are_the_withdrawal_and_exit_rules_under_NPS\"><\/span>What are the withdrawal and exit rules under NPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NPS provides different withdrawal provisions for normal exit, premature exit and permitted partial withdrawals. On normal exit under the applicable All Citizen Model rules, a subscriber can generally take up to 60% of the corpus as lump sum, while at least 40% is used for purchasing an annuity. Where the accumulated corpus is within the applicable threshold, the rules may permit full withdrawal.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to 60% of the corpus can generally be withdrawn as lump sum on normal exit.<\/li>\n\n\n\n<li>At least 40% is generally used for annuity purchase.<\/li>\n\n\n\n<li>An annuity provides regular pension income.<\/li>\n\n\n\n<li>Partial withdrawals are allowed for specified purposes.<\/li>\n\n\n\n<li>Permitted purposes can include education, marriage, medical treatment and purchase\/construction of a house, subject to applicable conditions.<\/li>\n\n\n\n<li>Withdrawal rules can differ according to the NPS model and applicable regulations.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-atal-pension-yojana\"><span class=\"ez-toc-section\" id=\"What_is_Atal_Pension_Yojana\"><\/span>What is Atal Pension Yojana?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Atal Pension Yojana (APY) is a government-backed pension scheme administered by PFRDA. It was launched on 1st June 2015 with a focus on providing pension security, particularly to workers in the unorganised sector. Unlike NPS, where pension income depends on the accumulated corpus and annuity, APY provides a guaranteed minimum monthly pension after the subscriber reaches 60 years. The five guaranteed minimum pension options under APY are:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>APY option<\/strong><\/td><td><strong>Guaranteed monthly pension<\/strong><\/td><\/tr><tr><td>Option 1<\/td><td>\u20b91,000<\/td><\/tr><tr><td>Option 2<\/td><td>\u20b92,000<\/td><\/tr><tr><td>Option 3<\/td><td>\u20b93,000<\/td><\/tr><tr><td>Option 4<\/td><td>\u20b94,000<\/td><\/tr><tr><td>Option 5<\/td><td>\u20b95,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-mock-test\/?ref=contac-govsc-nps-apy\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Attempt RBI Grade B Mock Test<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-can-join-atal-pension-yojana\"><span class=\"ez-toc-section\" id=\"Who_can_join_Atal_Pension_Yojana\"><\/span>Who can join Atal Pension Yojana?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>APY has a more restricted entry age and eligibility structure compared with the All Citizen Model of NPS. A person must generally be an Indian citizen between 18 and 40 years of age and have a savings bank account or post-office savings account. Since 1 October 2022, a person who is or has been an income-tax payer is not eligible to open a new APY account. The important eligibility conditions are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applicant must be an Indian citizen.<\/li>\n\n\n\n<li>Entry age must be 18 to 40 years.<\/li>\n\n\n\n<li>Applicant should have a savings bank account or post-office savings account.<\/li>\n\n\n\n<li>A new APY account cannot be opened by a person who is or has been an income-tax payer.<\/li>\n\n\n\n<li>The income-tax restriction applies to new subscribers from 1st October 2022.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-pension-is-guaranteed-under-apy\"><span class=\"ez-toc-section\" id=\"How_much_pension_is_guaranteed_under_APY\"><\/span>How much pension is guaranteed under APY?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>APY provides five pension slabs ranging from \u20b91,000 to \u20b95,000 per month. The subscriber selects the desired pension amount while joining the scheme. The contribution required depends on the subscriber&#8217;s age at entry and the pension amount selected. The pension starts after the subscriber reaches 60 years of age. The APY pension structure is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b91,000 monthly pension<\/li>\n\n\n\n<li>\u20b92,000 monthly pension<\/li>\n\n\n\n<li>\u20b93,000 monthly pension<\/li>\n\n\n\n<li>\u20b94,000 monthly pension<\/li>\n\n\n\n<li>\u20b95,000 monthly pension<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-are-apy-contributions-decided\"><span class=\"ez-toc-section\" id=\"How_are_APY_contributions_decided\"><\/span>How are APY contributions decided?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>APY contribution is based mainly on the <strong>age of joining, selected pension amount and contribution frequency<\/strong>. Subscribers can make contributions on a monthly, quarterly or half-yearly basis through auto-debit from their savings bank or post-office account. For example, for a subscriber joining at age 18, the monthly contribution starts at:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Guaranteed pension<\/strong><\/td><td><strong>Monthly contribution at age 18<\/strong><\/td><\/tr><tr><td>\u20b91,000<\/td><td>\u20b942<\/td><\/tr><tr><td>\u20b92,000<\/td><td>\u20b984<\/td><\/tr><tr><td>\u20b93,000<\/td><td>\u20b9126<\/td><\/tr><tr><td>\u20b94,000<\/td><td>\u20b9168<\/td><\/tr><tr><td>\u20b95,000<\/td><td>\u20b9210<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/upsc-epfo-prep-kit\/?ref=contac-govsc-nps-apy\" target=\"_blank\" rel=\"noreferrer noopener\">Check Out UPSC EPFO Prep Kit<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-benefits-does-the-apy-subscriber-s-family-receive\"><span class=\"ez-toc-section\" id=\"What_benefits_does_the_APY_subscribers_family_receive\"><\/span>What benefits does the APY subscriber&#8217;s family receive?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>APY provides benefits not only to the subscriber but also to the spouse and nominee. After the subscriber reaches 60 years, the selected pension is paid for the subscriber&#8217;s lifetime. After the subscriber&#8217;s death, the spouse is entitled to receive the same pension amount for the spouse&#8217;s lifetime. After both the subscriber and spouse pass away, the prescribed pension wealth is returned to the nominee.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Benefit stage<\/strong><\/td><td><strong>Benefit<\/strong><\/td><\/tr><tr><td>Subscriber after 60<\/td><td>Selected guaranteed monthly pension<\/td><\/tr><tr><td>After subscriber&#8217;s death<\/td><td>Same pension to spouse<\/td><\/tr><tr><td>After death of subscriber and spouse<\/td><td>Pension wealth to nominee<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-difference-between-nps-and-apy\"><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_NPS_and_APY\"><\/span>What is the difference between NPS and APY?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Although both NPS and APY are regulated by PFRDA, their objectives and structures are different. NPS is a broader market-linked retirement savings system, while APY focuses on providing a guaranteed minimum pension to eligible subscribers. This difference is important for understanding India&#8217;s pension architecture.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>NPS<\/strong><\/td><td><strong>APY<\/strong><\/td><\/tr><tr><td>Regulator<\/td><td>PFRDA<\/td><td>PFRDA<\/td><\/tr><tr><td>Nature<\/td><td>Defined contribution, market-linked<\/td><td>Guaranteed minimum pension<\/td><\/tr><tr><td>Main focus<\/td><td>Retirement corpus<\/td><td>Guaranteed pension<\/td><\/tr><tr><td>General entry age<\/td><td>18\u201385 years under All Citizen Model<\/td><td>18\u201340 years<\/td><\/tr><tr><td>Return<\/td><td>Market-linked<\/td><td>Guaranteed minimum pension structure<\/td><\/tr><tr><td>Pension amount<\/td><td>Depends on corpus and annuity<\/td><td>\u20b91,000\u2013\u20b95,000<\/td><\/tr><tr><td>Pension starts<\/td><td>Based on exit and annuity rules<\/td><td>Age 60<\/td><\/tr><tr><td>Tier I\/Tier II<\/td><td>Yes<\/td><td>No<\/td><\/tr><tr><td>Income-tax payer restriction<\/td><td>No equivalent APY restriction<\/td><td>New income-tax payers cannot join<\/td><\/tr><tr><td>Spouse benefit<\/td><td>Depends on annuity option<\/td><td>Same pension to spouse<\/td><\/tr><tr><td>Nominee benefit<\/td><td>As per applicable NPS exit rules<\/td><td>Pension wealth after subscriber and spouse<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-nps-swasthya-introduced-through-the-september-2026-pfrda-guidelines\"><span class=\"ez-toc-section\" id=\"What_is_NPS_Swasthya_introduced_through_the_September_2026_PFRDA_guidelines\"><\/span>What is NPS Swasthya introduced through the September 2026 PFRDA guidelines?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NPS Swasthya is one of the most important recent PFRDA developments for 2026. PFRDA issued the Operational Guidelines for NPS Swasthya under NPS, 2026, on 18 September 2026. It combines an NPS investment account with a separate mandatory super top-up health insurance component. This makes NPS Swasthya an important development linking retirement savings with healthcare protection. The key features include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It is part of the NPS framework.<\/li>\n\n\n\n<li>It combines an NPS Swasthya investment account with a mandatory super top-up health insurance policy.<\/li>\n\n\n\n<li>The investment and insurance components remain separate.<\/li>\n\n\n\n<li>Eligible individuals can participate subject to the operational guidelines.<\/li>\n\n\n\n<li>Healthcare-related withdrawal provisions are available under the applicable framework.<\/li>\n\n\n\n<li>The insurance component operates subject to applicable insurance regulations.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/upsc-epfo-apfc-study-plan\/?ref=contac-govsc-nps-apy\" target=\"_blank\" rel=\"noreferrer noopener\">Check out the UPSC EPFO Study Plan<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-contribution-and-charge-details-under-nps-swasthya\"><span class=\"ez-toc-section\" id=\"What_are_the_contribution_and_charge_details_under_NPS_Swasthya\"><\/span>What are the contribution and charge details under NPS Swasthya?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The initial contribution under NPS Swasthya has to cover the applicable first-year insurance premium and other specified amounts. The framework also provides for an investment contribution and annual maintenance charge. This makes it different from a normal NPS account because the subscriber&#8217;s initial payment includes both the pension investment and health-related components. The important figures are:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Component<\/strong><\/td><td><strong>Amount\/requirement<\/strong><\/td><\/tr><tr><td>NPS Swasthya investment<\/td><td>\u20b91,000 minimum<\/td><\/tr><tr><td>Annual maintenance charge<\/td><td>\u20b9200 + applicable taxes<\/td><\/tr><tr><td>Subsequent contribution<\/td><td>Minimum \u20b910<\/td><\/tr><tr><td>Health insurance<\/td><td>Mandatory super top-up policy<\/td><\/tr><tr><td>Additional Pension Fund charge<\/td><td>Up to 0.08% p.a. of AUM + applicable taxes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-did-pfrda-change-regarding-nps-transactions-in-september-2026\"><span class=\"ez-toc-section\" id=\"What_did_PFRDA_change_regarding_NPS_transactions_in_September_2026\"><\/span>What did PFRDA change regarding NPS transactions in September 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>On 14 September 2026, PFRDA issued an advisory on the mandatory capture of Transaction ID (TID) in the Sender to Receiver Information field while remitting NPS contributions to the Trustee Bank. This is an operational update rather than a change in pension benefits or withdrawal rules. The update is important because it supports:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Better transaction identification<\/li>\n\n\n\n<li>Easier contribution reconciliation<\/li>\n\n\n\n<li>Improved payment tracking<\/li>\n\n\n\n<li>Better linking of remittance information<\/li>\n\n\n\n<li>Reduction in transaction-related reconciliation issues<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/upsc-epfo-apfc\/?ref=contac-govsc-nps-apy\" target=\"_blank\" rel=\"noreferrer noopener\">Enroll  for UPSC EPFO APFC Online Courses<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-did-the-september-2026-pfrda-updates-change-the-apy-pension-amount\"><span class=\"ez-toc-section\" id=\"Did_the_September_2026_PFRDA_updates_change_the_APY_pension_amount\"><\/span>Did the September 2026 PFRDA updates change the APY pension amount?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The September 2026 PFRDA updates do not indicate a change in the core APY pension structure. The existing APY framework continues to provide guaranteed minimum monthly pension options of \u20b91,000, \u20b92,000, \u20b93,000, \u20b94,000 and \u20b95,000 after the subscriber reaches 60 years. For exam preparation, candidates should continue to remember:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>APY entry age: 18\u201340 years<\/li>\n\n\n\n<li>Pension starts at: 60 years<\/li>\n\n\n\n<li>Minimum guaranteed pension: \u20b91,000<\/li>\n\n\n\n<li>Maximum guaranteed pension: \u20b95,000<\/li>\n\n\n\n<li>New income-tax payers cannot join APY.<\/li>\n\n\n\n<li>Spouse receives the same pension after the subscriber&#8217;s death.<\/li>\n\n\n\n<li>Pension wealth goes to the nominee after the death of both subscriber and spouse.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1791180589883\"><strong class=\"schema-faq-question\">1. What is the National Pension System (NPS)?<\/strong> <p class=\"schema-faq-answer\">NPS is a PFRDA-regulated, defined-contribution and market-linked retirement savings system.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791180591090\"><strong class=\"schema-faq-question\">2. What is Atal Pension Yojana (APY)?<\/strong> <p class=\"schema-faq-answer\">APY is a PFRDA-regulated pension scheme that provides a guaranteed minimum monthly pension after the age of 60.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791180591718\"><strong class=\"schema-faq-question\">3. How is NPS different from APY?<\/strong> <p class=\"schema-faq-answer\">NPS offers market-linked retirement benefits based on the accumulated corpus, while APY provides a guaranteed minimum pension of \u20b91,000 to \u20b95,000 per month.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791180592283\"><strong class=\"schema-faq-question\">4. What is the entry age for NPS?<\/strong> <p class=\"schema-faq-answer\">Under the All Citizen Model, eligible individuals can join NPS from 18 to 85 years, subject to applicable conditions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791180592857\"><strong class=\"schema-faq-question\">5. What is the entry age for APY?<\/strong> <p class=\"schema-faq-answer\">Eligible individuals can join APY between 18 and 40 years.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rashtriya-vayoshri-yojana\/\">Rashtriya Vayoshri Yojana, Attempt Free Quiz and Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/chief-minister-vayoshree-yojana\/\">Chief Minister Vayoshree Yojana, Attempt Free Quiz &amp; Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/\">Attempt Quiz on NPS and APY Features, Benefits &amp; Latest Updates<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/important-government-schemes-nabard-grade-a\/\">Government Schemes for NABARD Grade A 2026<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rashtriya-gram-swaraj-abhiyan\/\">Attempt Quiz on Rashtriya Gram Swaraj Abhiyan &amp; Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/how-to-clear-multiple-government-exams\/\">How Some Aspirants Clear Multiple Government Exams: Strategy, Discipline &amp; Exam Psychology<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>The National Pension System (NPS) and Atal Pension Yojana (APY) are two important pension schemes regulated by the Pension Fund<\/p>\n","protected":false},"author":58,"featured_media":253314,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14458,550,10247],"tags":[],"class_list":["post-74436","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-government-scheme","category-nabard","category-rbi-sebi-nabard","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Attempt Quiz on NPS and APY Features, Benefits &amp; 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What is the National Pension System (NPS)?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"NPS is a PFRDA-regulated, defined-contribution and market-linked retirement savings system.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#faq-question-1791180591090","position":2,"url":"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#faq-question-1791180591090","name":"2. What is Atal Pension Yojana (APY)?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"APY is a PFRDA-regulated pension scheme that provides a guaranteed minimum monthly pension after the age of 60.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#faq-question-1791180591718","position":3,"url":"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#faq-question-1791180591718","name":"3. How is NPS different from APY?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"NPS offers market-linked retirement benefits based on the accumulated corpus, while APY provides a guaranteed minimum pension of \u20b91,000 to \u20b95,000 per month.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#faq-question-1791180592283","position":4,"url":"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#faq-question-1791180592283","name":"4. What is the entry age for NPS?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Under the All Citizen Model, eligible individuals can join NPS from 18 to 85 years, subject to applicable conditions.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#faq-question-1791180592857","position":5,"url":"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/#faq-question-1791180592857","name":"5. What is the entry age for APY?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Eligible individuals can join APY between 18 and 40 years.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/posts\/74436","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/users\/58"}],"replies":[{"embeddable":true,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/comments?post=74436"}],"version-history":[{"count":12,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/posts\/74436\/revisions"}],"predecessor-version":[{"id":253315,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/posts\/74436\/revisions\/253315"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/media\/253314"}],"wp:attachment":[{"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/media?parent=74436"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/categories?post=74436"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/tags?post=74436"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}