6 Government Pension & Investment Schemes

Outlook Money

National Pension System

NPS is a government-aided small savings scheme for retirement; at maturity, one can withdraw up to 60% of the corpus in lump sum.


Varishtha Pension Bima Yojana (VPBY)

VPBY is available for seniors aged 60 and older, the policy kicks in one month after enrollment and continues till death.


Atal Pension Yojana

APY is a governmental-backed pension scheme for people below the poverty line; they can receive up to Rs 5,000 per month.

Atal Pension Yojana

Employees Provident Fund

EPF is another government-backed small savings schemes for retirement planning for salaried individuals.

Money Savings scheme

Public Provident Fund

PPF allows people from all walks of life to build a retirement corpus by contributing regularly with a ceiling of Rs 1.5 lakh per annum.

Public Savings

Senior Citizens Savings Scheme

SCSS is a government-aided scheme for individuals aged 60 and older, offering 8.20% per annum; payments are made quarterly.


How To Choose an Option?

Choose a plan based on your financial goals and investment capacity.

Compiled By Himani Verma


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