Pension Delays — EPS-95, NPS, NSAP, APY, state govt pension

Quick Reply: 5 pension guides for citizens — EPS-95, NPS, NSAP, APY and state pensions, each with a direct answer and RTI escalation route.

5 pension guides — each with direct answer + step-by-step process + RTI escalation template if you get stuck.

Index

EPS-95 pension delay — EPS-95 (Employees' Pension Scheme 1995): pension after 58. PPO (Pension Payment Order) issued post-retirement. Delay > 6…
NPS pension issues — NPS at maturity (age 60): 60% lump-sum + 40% annuity (mandatory). Pre-mature exit allowed in limited cases. PFRDA regula…
NSAP pension delay (Old Age, Widow, Disability) — NSAP (National Social Assistance Programme): three pensions — IGNOAPS, IGNWPS, IGNDPS. Rs 200-500/month. State adds top-…
Atal Pension Yojana (APY) — APY managed by PFRDA. Auto-debit failure = penalty. Pension begins on 60th birthday. Pre-60 exit limited (terminal illne…
State government pension — State govt pension governed by state Pension Rules. Pre-2004 hires: OPS (defined benefit). Post-2004: NPS. Delays / disp…

Every page above ends with an RTI escalation template — most stuck cases clear within 15 days of an RTI being filed.

Last reviewed: 26 April 2026.