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    <title>More than 6.62 crore subscribers under National Pension System (NPS) and Atal Pension Yojana (APY)</title>
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    <description>Pension coverage under NPS and APY has expanded with combined subscribers exceeding 6.62 crore and combined AUM surpassing ten lakh crore, with segmental AUM distributed across central and state government, corporate, all-citizen and APY cohorts. PFRDA is advancing financial education and outreach, annually observing National Pension System Diwas and conducting publicity campaigns to promote retirement planning. NPS operates as a mandatory scheme for specified government entrants and as a voluntary scheme for citizens, while APY functions as a social security initiative aimed at enhancing pension coverage for vulnerable and informal sectors.</description>
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