APY vs NPS: Which Pension Scheme Suits You Better in 2025? Complete Calculator Guide
By MoneyCal Editorial Team • Published 2026
The Union Budget 2025 introduced significant changes to India's pension landscape, making the choice between Atal Pension Yojana (APY) and National Pension System (NPS) more critical than ever. With enhanced contribution limits, tax benefits, and exit options, both schemes now cater to different retirement needs. Our detailed comparison and Calculator help you choose the right pension scheme for your specific situation.