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Finance Minister Nirmala Sitharaman highlighted the benefits of the Atal Pension Yojana (APY), calling it an affordable scheme with a guaranteed pension amount. The scheme has provided a competitive 9.1% return since its inception, she noted. Sitharaman emphasized that any additional pension above the assured amount is entirely for the beneficiary. The scheme s feature of automatically continuing premium payments unless the subscriber opts out is seen as beneficial, encouraging saving for retirement. Sitharaman also mentioned the government s subsidy to ensure a minimum 8% return, regardless of prevailing interest rates.
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