Pension & Retirement Plans Overview
Pension & Retirement Plans in India 2025, including NPS, Atal Pension Yojana (APY), and private pension plans, offer secure ways to build a retirement corpus. Managed by PFRDA or trusted insurers, these plans provide tax benefits and flexible contributions. LoanPao simplifies enrollment through 500+ partners, ensuring account activation within 1–3 days via e-KYC. Ideal for salaried, self-employed, and NRIs, these plans offer investment options like equity, debt, and guaranteed returns. For additional financial needs, explore Personal Loan or Payday Loan.
Enroll below or contact us at +91-971-769-5334. Use our EMI Calculator to plan related financial commitments.
Benefits of Pension & Retirement Plans
Tax Benefits
Up to ₹2 lakh deduction for NPS under 80C and 80CCD(1B).
Market-Linked Returns
7%–12% p.a. for NPS; guaranteed pensions for APY.
Flexible Contributions
₹500/month for NPS; ₹210–₹1,000/month for APY.
Trusted Partners
500+ PFRDA-registered and insurance providers.
Digital Enrollment
Quick e-KYC process online.
Regulated Schemes
Backed by PFRDA and IRDAI for security.
Eligibility Criteria
| Criteria | NPS | APY | Private Plans |
|---|---|---|---|
| Age | 18–70 years | 18–40 years | 18–65 years |
| Citizenship | Indian or NRIs | Indian citizens | Indian residents |
| Occupation | Any | Unorganized sector | Any |
| Minimum Contribution | ₹500/month | ₹210/month | Varies by plan |
| KYC Compliance | Aadhaar/PAN | Aadhaar | Aadhaar/PAN |
Check eligibility or contact info@loanpao.in for assistance.
Documents Required
- Aadhaar Card or PAN Card
- Bank Account Details (with IFSC code)
- Passport-size Photograph
- Proof of Address (if different from Aadhaar)
- Income Proof (optional for some plans)
How to Enroll in Pension Plans
Join with LoanPao in 3 steps:
- Fill the form below with your details.
- Complete e-KYC with Aadhaar/PAN and upload documents.
- Get your account activated within 1–3 days.
Start now or call +91-971-769-5334 for support.
Compare Pension Plans
| Plan | Contribution | Pension Range | Tax Benefits | Provider |
|---|---|---|---|---|
| NPS | ₹500/month | Market-linked | ₹2 lakh (80C, 80CCD) | PFRDA |
| APY | ₹210–₹1,000/month | ₹1,000–₹5,000/month | None | PFRDA |
| Private Pension | ₹1,000/month | Guaranteed or market-linked | ₹1.5 lakh (80C) | Insurers like LIC, HDFC |
Note: Terms are indicative as of July 2025. Contact LoanPao for updated details.
Pension Plan Types
- National Pension System (NPS): Flexible, market-linked pension with tax benefits.
- Atal Pension Yojana (APY): Guaranteed pension for unorganized sector workers.
- Private Pension Plans: Offered by insurers like LIC, with fixed or market-linked returns.
- Corporate NPS: Employer-sponsored pension for salaried employees.
- Annuity Plans: Lump-sum investment for regular pension payouts.
Why Choose LoanPao for Pension Plans?
Wide Partner Network
Access 500+ PFRDA and IRDAI-registered providers.
Fast Enrollment
Account activation in 1–3 days.
24/7 Support
Reach us at +91-971-769-5334.
Tips for Choosing Pension Plans
- Select NPS for flexibility or APY for guaranteed pensions.
- Contribute regularly to maximize compounding benefits.
- Leverage tax deductions under Section 80CCD(1B) for NPS.
- Compare private plans for guaranteed returns vs. market-linked options.
- Contact LoanPao for personalized plan recommendations.