<h1>NPS and APY surpass Rs. 1,00,275 crores in AUM with over one crore subscribers, boosting pension security in India.</h1> The National Pension System (NPS) and Atal Pension Yojana (APY) together have surpassed Rs. 1,00,275 crores in Assets Under Management (AUM), with over one crore subscribers as of October 2015. NPS, available to government and private sector employees, offers tax benefits and allows partial withdrawals after ten years. Recent policy changes include expanded investment options and extended contribution age limits. The APY provides a government-guaranteed pension, with co-contributions for eligible subscribers. The Pension Fund Regulatory and Development Authority (PFRDA) has implemented measures to enhance subscriber convenience and is anticipating further growth in the subscriber base by March 2016.