Best Pension Plans in India For Stress-Free Retirement

National Pension System (NPS)

Best for: Young professionals seeking long-term market-linked retirement returns with tax deductions.

Atal Pension Yojana (APY)

Best for: Low-income groups and informally employed workers seeking a safe pension.

Employees’ Provident Fund (EPF) & Employees’ Pension Scheme (EPS)

Best for: Fixed income earners looking for secure, long-term retirement funds with employer support.

Public Provident Fund (PPF)

Best for: Conservative investors seeking tax-free, long-term retirement investments.

Senior Citizens Savings Scheme (SCSS)

Best for: Retirees seeking periodic income with capital protection.

Pradhan Mantri Vaya Vandana Yojana (PMVVY)

Best for: Retired people seeking stable pension income with low risk.

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