Will pension money drown or survive? Know the changed rules of NPS and APY, otherwise there will be loss:

News India Live, Digital Desk: Pension Scheme Charges: We all know that the coming tomorrow should be safe tomorrow, for this we have to take care of savings and investment from today. In this series, government schemes like National Pension System (NPS) and Atal Pension Yojana (APY) are very useful, because they give us an economic support in old age. But there is a very important news about these schemes, which can directly affect you all. Yes, some changes are happening in these rules, especially with the fees related to them.

Big news for pension account holders! These rules of NPS and APY will change, new fees will be charged from October 1!

If you are investing money in NPS or APY, then this information is very important for you. The Pension Fund Regulatory and Development Authority (PFRDA) has changed some rules of these two schemes, and its biggest impact is going to be on the new fees incurred from October 1.

Let us understand what this change is and what can be the effect on you:

What is changing?

PFRDA has reported that since 1 October 2025, some service charges (service fees) have been changing for NPS and APY customers. In easy language, now you may have to pay some extra money to run your pension account or take advantage of some facilities related to it. These fees are now live on PFRDA’s website and can be seen in detail. These are usually related to an account managing or some kind of transactions (such as withdrawing or switching money).

What is NPS?
This is a government -backed scheme, where you can invest for your old age. It contains many options like equity, corporate bonds and government securities. This is a good option for both employers and self-employment.

What is APY?
The Atal Pension Yojana is especially made for those who work in the unorganized sector and who have no permanent source of income in old age. In this, the government also contributes to your deposit, and you get a certain monthly pension after the age of 60 years.

What should you do?

If you are a customer of NPS or APY, then it is very important to know about these new charges.

1. Check website: You can check the full list of new service charges by visiting the official website of PFRDA.
2. Understand your needs: See which fees matters to you. Do you do more transactions or just keep a stable account?
3. Talk to the agent (if needed): If you need more information about these charges, then contact your pension agent or concerned branch of the bank.

You may not find this change very big, but these small fees may be affected for your long-term pension scheme. So do not delay, be sure to get updated with these new information before 1 October