AF Applica Finance
Plan My Investments
10. Retirement & Pension

Atal Pension Yojana (APY)

India - EPF/NPS

Government-guaranteed pension scheme for unorganized-sector workers offering a fixed monthly pension.

Risk Level
Low ★★☆☆☆
Liquidity
🔴 Low
Min Investment
₹500/month
Ticket Size
₹500/month minimum
Ideal Horizon
Till retirement
Region
India

📈 Historical Returns (Indicative)

1 Year
8–12%
3 Years
9–12%
5 Years
9–12%
10 Years
9–12%
20 Years
9–11%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Atal Pension Yojana (APY)

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ Low risk — capital largely protected

Disadvantages

  • ❌ Low liquidity — funds may be locked in for years

🚀 How to Invest in Atal Pension Yojana (APY)

  1. Open NPS account via eNPS portal (npscra.nsdl.co.in)
  2. Or through your employer (Corporate NPS) or bank
  3. Choose between Tier 1 (pension) and Tier 2 (flexible) accounts
  4. Minimum ₹500/contribution; choose equity/bond/govt allocation

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
← Back to All 502 Investments More Calculators →