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APY vs PM-SYM — landscape banner showing two side-by-side cards: APY (₹1k–₹5k choice pension, spouse same pension) vs PM-SYM (₹3k fixed, 1:1 government matching), with simple icons and bold headings.

Atal Pension Yojana vs PM-SYM (2025): Eligibility, Benefits & How They Differ

APY vs PM-SYM: For millions of Indians in the unorganised sector, planning for retirement can feel uncertain—income is often irregular and private pension products can be confusing. The Government of India offers two simple, low-cost options that pay from age 60: Atal Pension Yojana (APY) and Pradhan Mantri Shram Yogi Maan-Dhan (PM-SYM). This guide gives

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