ATGM's effectiveness against modern tanks is hardly spectacular, in fact it is relatively low compared to their advertisements.
Also remember that all these ATGM's you mentioned have relatively short range, which means that their carriers or operators are well within range of MBT's main armament.
Nag have a range of what? 4000m at best? Any Pakistani or Chinese tank have gun launched ATGM with a range of 5000m. Basic infantry carried Javelin or Spike have a range of about 2000m. US is working on new Javelin variant with range increased to 4000m.
So modern tanks can fire their ammunition even further than most ATGM's have a effective range.
For example M1A2SEPv2, as the ones on pictires above, have thermal sights with maximum 50x zoom, and new fire control system that gives it capability to accurately fire conventional (non guided) rounds up to 5000m, and there was ATGM tested on that tank, XM1111 MRM-CE, fired from it's main gun with a maximum range of 12,000m.
So good luck with trying to efficently engage modern tanks that are properly commanded and their crews are properly trained.