{"id":74436,"date":"2021-06-23T13:18:50","date_gmt":"2021-06-23T07:48:50","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=74436"},"modified":"2021-07-02T12:30:59","modified_gmt":"2021-07-02T07:00:59","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":"National Pension System (NPS) and Atal Pension Yojana (APY) Notes"},"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\/#I_National_Pension_System_NPS_and_Atal_Pension_Yojana_APY_Notes\" >I. National Pension System (NPS) and Atal Pension Yojana (APY) Notes<\/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\/#II_NABARD_Grade_A_Online_Course\" >II. NABARD Grade A Online Course<\/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\/#III_RBI_Grade_B_Online_Course\" >III. RBI Grade B Online Course<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"color: #000000;\"><strong>Government Schemes<\/strong> are in news every now and then. These schemes also constitute a substantial part of the <strong>Economic &amp; Social Issues paper of RBI Grade B and NABARD Grade A exams<\/strong>. Questions from the latest government schemes as well as some important old schemes are frequently asked in these exams. Therefore here in this blog, we are covering two important pension schemes by the government: <strong>National Pension System (NPS) and Atal Pension Yojana (APY)<\/strong>.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"has-black-color has-text-color wp-block-heading\"><span class=\"ez-toc-section\" id=\"I_National_Pension_System_NPS_and_Atal_Pension_Yojana_APY_Notes\"><\/span><strong>I. <\/strong><span style=\"color: #000000;\"><strong>National Pension System (NPS) and Atal Pension Yojana (APY)<\/strong><\/span> <strong>Notes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"has-black-color has-text-color wp-block-heading\"><span style=\"color: #000000;\"><b>1. NATIONAL PENSION SCHEME (NPS)<\/b><\/span> <strong>NOTES<\/strong><\/h3>\n\n\n\n<p><span style=\"color: #000000;\">It <span style=\"font-weight: 400;\">is a pension cum investment scheme launched by the Government of India to provide old age security to Citizens of India. It brings an attractive long term saving avenue to effectively plan your retirement through safe and regulated market-based return.&nbsp;<\/span><\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\"><b>\u00bb Launch year: <\/b><span style=\"font-weight: 400;\">2004&nbsp;<\/span><\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\"><b>\u00bb Ministry and Nodal Implementing Agency: <\/b><span style=\"font-weight: 400;\">Ministry of Finance and PFRDA&nbsp;<\/span><\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\"><b>\u00bb Eligibility:<\/b><span style=\"font-weight: 400;\">&nbsp;<\/span><\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"font-weight: 400; color: #000000;\"><span style=\"font-weight: 400; color: #000000;\">All citizens of India between the age of 18 and 65 years are eligible.<\/span><\/span> <br><\/li><li><span style=\"color: #000000;\"><span style=\"color: #000000;\"><span style=\"font-weight: 400;\">All new employees of central government service except armed forces joining services on or after 1st January 2004.<\/span><\/span><\/span> <br><\/li><li><span style=\"font-weight: 400; color: #000000;\"><span style=\"font-weight: 400; color: #000000;\">All citizens\u2019 i.e. private employees and unorganized sector workers.<\/span><\/span> <br><\/li><li><span style=\"font-weight: 400; color: #000000;\">NRI with a bank account in India is also eligible.&nbsp;<\/span><br><\/li><\/ul>\n\n\n\n<p><span style=\"color: #000000;\"><strong><b>\u00bb <\/b>Other Important Points<\/strong><\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"font-weight: 400; color: #000000;\"><span style=\"font-weight: 400; color: #000000;\">NRI returns are market Linked. It offers 3 funds to subscribers Equities, Corporate bonds, Government Securities.<\/span><\/span> <br><\/li><li><span style=\"color: #000000;\"><span style=\"color: #000000;\">Subscriber can exit from NPS after 10 years of account opening or attaining 60 years of age whichever is earlier. Only up to 40% of corpus withdrawn in a lump sum is exempted from tax.<\/span><\/span> <br><\/li><li><span style=\"color: #000000;\"><span style=\"color: #000000;\">Union Cabinet has decided to raise the contribution of the central government to the NPS corpus from 10% to 14%.<\/span><\/span> <br><\/li><li><span style=\"color: #000000;\">PFRDA recently announced that NPS subscriber will now have the facility to withdraw funds from their account for pursuing higher education but it is allowed after 3 years of subscription and the limit is 25% of the contribution made by subscriber-only.&nbsp;<\/span><\/li><\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=Rbihny&amp;next=https:\/\/mocks.oliveboard.in\/banking\/rbimonlessons.php\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Comprehensive Coverage of Government Schemes in RBI Grade B Cracker Course<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3 class=\"has-black-color has-text-color wp-block-heading\"><span style=\"color: #000000;\"><b>2. ATAL PENSION YOJANA (APJ)<\/b><\/span> <strong>NOTES<\/strong><\/h3>\n\n\n\n<p><span style=\"color: #000000;\">It is <span style=\"font-weight: 400;\">a pension scheme for workers in the unorganised sector like personal maids, drivers, gardeners etc, This social security scheme was introduced as a replacement to the previous government&#8217;s Swavalamban Yojana.&nbsp;<\/span><\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\"><b><strong>\u00bb <\/strong>Launch Year: <\/b><span style=\"font-weight: 400;\">2015&nbsp;<\/span><\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\"><b><strong>\u00bb <\/strong>Ministry: <\/b><span style=\"font-weight: 400;\">Ministry of Finance&nbsp;<\/span><\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\"><strong><b>\u00bb <\/b>Other Important Points<\/strong><\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"font-weight: 400; color: #000000;\"><span style=\"font-weight: 400; color: #000000;\">It is a centrally sponsored scheme.<\/span><\/span> <br><\/li><li><span style=\"font-weight: 400; color: #000000;\"><span style=\"font-weight: 400; color: #000000;\">The APY will be focussed on all citizens in the unorganised sector, who join the National Pension System (NPS) administered by the Pension Fund Regulatory and Development Authority (PFRDA) and who are not members of any statutory social security scheme.<\/span><\/span> <br><\/li><li><span style=\"font-weight: 400; color: #000000;\"><span style=\"font-weight: 400; color: #000000;\">Under the APY, the subscribers would receive a fixed pension of Rs. 1000 per month, Rs. 2000 per month, Rs. 3000 per month, Rs. 4000 per month, Rs. 5000 per month, at the age of 60 years, depending on their contributions, which itself would vary on the age of joining the APY.<\/span><\/span> <br><\/li><li><span style=\"font-weight: 400; color: #000000;\"><span style=\"font-weight: 400; color: #000000;\">The minimum age of joining APY is 18 years and the maximum age is 40 years. Therefore, the minimum period of contribution by the subscriber under APY would be 20 years or more. The benefit of a fixed pension would be guaranteed by the Government.<\/span><\/span> <br><\/li><li><span style=\"color: #000000;\"><span style=\"color: #000000;\"><span style=\"font-weight: 400;\">The Central Government would also co-contribute 50% of the subscriber\u2019s contribution or Rs. 1000 per annum, whichever is lower, to each eligible subscriber account, for a period of 5 years, i.e., from 2015-16 to 2019-20, who join the NPS before 31st December 2015 and who are not income taxpayers.<\/span><\/span><\/span> <br><\/li><li><span style=\"font-weight: 400; color: #000000;\">Fixed pension for the subscribers ranging between Rs. 1000 to Rs. 5000, if he joins and contributes between the age of 18 years and 40 years. The contribution levels would vary and would be low if the subscriber joins early and increase if he joins late.&nbsp;<\/span><\/li><\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background\" href=\"https:\/\/www.oliveboard.in\/nabard-grade-a-b\/?ref=nabard-hny&amp;next=https:\/\/mocks.oliveboard.in\/banking\/nabardcalessons.php\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Exhaustive Coverage of ESI &amp; ARD Government Schemes in NABARD Grade A Cracker Course<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><span style=\"color: #000000;\">This is all from us in this article about the <strong>National Pension System (NPS) and Atal Pension Yojana (APY)<\/strong>. We hope that you liked the information given in here. For more such informative articles, keep visiting <a href=\"https:\/\/www.oliveboard.in\/blog\/\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #3366ff;\"><strong>Oliveboard<\/strong><\/span><\/a>.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"has-black-color has-text-color\">If you are someone who is aspiring to become an <strong><a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=Rbihny\" target=\"_blank\" rel=\"noreferrer noopener\">RBI Grade B officer<\/a><\/strong> or a <strong><a href=\"https:\/\/www.oliveboard.in\/nabard-grade-a-b\/?ref=nabard-hny\" target=\"_blank\" rel=\"noreferrer noopener\">NABARD Grade A officer<\/a><\/strong>, we have online preparation courses for your comprehensive preparation. Have a look at the course offerings below.<\/p>\n\n\n\n<h2 class=\"has-black-color has-text-color wp-block-heading\"><span class=\"ez-toc-section\" id=\"II_NABARD_Grade_A_Online_Course\"><\/span><strong>II. NABARD Grade A Online Course<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Check out Oliveboard\u2019s <strong>Online Preparation Courses<\/strong> for <strong><a href=\"https:\/\/www.oliveboard.in\/nabard-grade-a-b\/?ref=nabard-hny\" target=\"_blank\" rel=\"noreferrer noopener\">NABARD Grade A exam<\/a><\/strong> comprising of Video Lessons, Study Notes, Current Affairs, Descriptive English, Topic Tests, Mock Tests for Phase-1, and Phase-2 and much more.<\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background\" href=\"https:\/\/www.oliveboard.in\/nabard-grade-a-b\/?ref=nabard-hny\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><strong>Kick-start your Preparation with<\/strong> NABARD Grade A Cracker Course Here<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/www.oliveboard.in\/nabard-grade-a-b\/?ref=nabard-hny\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2020\/01\/PPT-NABARD-Grade-A-1.png\" alt=\"NABARD Grade A Online Course\" class=\"wp-image-70656\" width=\"561\" height=\"336\"\/><\/a><\/figure><\/div>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2 class=\"has-black-color has-text-color wp-block-heading\"><span class=\"ez-toc-section\" id=\"III_RBI_Grade_B_Online_Course\"><\/span><strong>III. RBI Grade B Online Course<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Check out Oliveboard\u2019s <strong>Online Preparation Courses<\/strong> for <a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=Rbi-eb\"><strong>RBI Grade B<\/strong><\/a> comprising Video Lessons, Study Notes, Current Affairs, English Descriptive, Topic Tests, Mock Tests for Phase-1, Phase-2 <strong>(<\/strong><a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=Rbi-eb\"><strong>Objective + Descriptive Tests<\/strong><\/a><strong>),<\/strong> and much more.<\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=Rbihny\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Kick-start your Preparation with RBI Grade B Cracker Course<\/strong> <strong>Here<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=Rbihny\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2021\/04\/PPT-1-1.png\" alt=\"RBI Grade B Online Course\" class=\"wp-image-72013\" width=\"569\" height=\"320\"\/><\/a><\/figure><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-black-color has-text-color\"><strong>Connect with us on<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/t.me\/sebi_nabard_rbi\"><strong>Telegram<\/strong><\/a><\/li><li><a href=\"https:\/\/discuss.oliveboard.in\/\"><strong>Discuss Forum<\/strong><\/a><\/li><li><a href=\"https:\/\/www.youtube.com\/channel\/UCRvrHAyNdOMI_JBkE2pjZtw\"><strong>YouTube<\/strong><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Government Schemes are in news every now and then. These schemes also constitute a substantial part of the Economic &amp;<\/p>\n","protected":false},"author":50,"featured_media":74458,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,550,2586,10237,10226,320,10247],"tags":[],"class_list":["post-74436","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-nabard","category-notes","category-preparation-resources","category-rbi","category-rbi-grade-b","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>National Pension System (NPS) &amp; Atal Pension Yojana (APY) Notes<\/title>\n<meta name=\"description\" content=\"We have covered two important pension schemes here: National Pension System (NPS) and Atal Pension Yojana (APY) Notes for RBI &amp; NABARD Exams.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"National Pension System (NPS) and Atal Pension Yojana (APY) Notes\" \/>\n<meta property=\"og:description\" content=\"Government Schemes are in news every now and then. These schemes also constitute a substantial part of the Economic &amp; Social Issues paper of RBI Grade\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.oliveboard.in\/blog\/national-pension-system-nps-and-atal-pension-yojana-apy\/\" \/>\n<meta property=\"og:site_name\" content=\"Oliveboard\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Oliveboard\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-23T07:48:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-07-02T07:00:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2021\/06\/NABARD-2-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"730\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Saloni Singhal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta 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