Pension
Government pension schemes, and a flexible way to retire richer
Atal Pension Yojana and the National Pension System help you build an income for retirement. Want your retirement savings to stay flexible too? Add a long-term SIP with Bachatt.
Plan retirement with Bachatt
- Mutual funds from every fund house
- Every fund scored on 100+ parameters
- Start a SIP with small amounts
- No lock-in · withdraw anytime
Mutual fund investments are subject to market risks; returns are not guaranteed.
Government pension schemes
Backed by the Government of India and regulated by PFRDA. Tap a scheme for eligibility, benefits and how to apply.
Atal Pension Yojana (APY)
Guaranteed pension from 60
Guaranteed monthly pension of ₹1,000 to ₹5,000 from age 60, for people who join between 18 and 40.
Eligibility, benefits & how to applyNational Pension System (NPS)
Retirement savings
Market-linked retirement savings regulated by PFRDA, with extra tax benefits and a mix of equity, debt and government bonds.
Eligibility, benefits & how to applyScheme limits and eligibility change from time to time. Always check the official portal before you apply.
Frequently asked questions
What is the difference between APY and NPS?+
Atal Pension Yojana gives a guaranteed pension of ₹1,000–₹5,000 a month from 60, for people who join between 18 and 40 and are not income-tax payers. NPS is a market-linked retirement scheme open to ages 18–70, where the pension depends on how your investments perform.
Can I invest in a mutual fund for retirement instead?+
Yes. A long-term mutual fund SIP can be part of a retirement plan and lets you withdraw anytime, but its returns are market-linked and not guaranteed.
Bachatt is not affiliated with the government schemes listed on this page; scheme names belong to the Government of India and its agencies. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Trusave Fintech Pvt Ltd is an AMFI-registered mutual fund distributor (ARN-321640).