Secure your retirement with India's voluntary, long-term retirement savings scheme. Designed to provide financial stability during your golden years with market-linked returns and tax benefits.
NPS offers a structured approach to retirement planning with multiple benefits
Additional tax deduction of up to ₹50,000 under Section 80CCD(1B) over and above the ₹1.5 lakh limit of Section 80C.
Potential for higher returns compared to traditional fixed-income products through exposure to equity and debt markets.
Regulated by PFRDA (Pension Fund Regulatory and Development Authority), ensuring transparency and safety.
One of the lowest fund management charges globally, maximizing your retirement corpus.
Contribute as per your convenience with minimum annual contribution of ₹1,000.
NPS account remains active regardless of employment changes or location shifts.
Simple steps to secure your retirement with NPS
Register for NPS through authorized points like banks or online portals
Select from multiple pension fund managers based on performance
Choose between Active choice (self-managed) or Auto choice (lifecycle-based)
Contribute regularly or as per your convenience to build your corpus
Track your investments and withdraw as per NPS guidelines at retirement
Comprehensive retirement planning with multiple advantages
Enjoy triple tax benefits - on contribution, accumulation, and withdrawal (subject to conditions).
Choose your investment mix across equity, corporate bonds, government securities, and alternative assets.
Regular statements and online access to track your NPS account performance and holdings.
Your NPS account remains with you throughout your life, regardless of job or location changes.
Your investments are managed by professional fund managers regulated by PFRDA.
At retirement, you can use the accumulated corpus to buy an annuity for regular pension income.
Register for NPS or contribute to your existing account
Track your NPS and other investments seamlessly with our mobile app
Find answers to common questions about National Pension Scheme
Any Indian citizen between 18-70 years of age can open an NPS account. NRIs can also open NPS accounts, but some restrictions apply.
Minimum initial contribution is ₹500, and minimum subsequent contribution is ₹500 per transaction. The minimum annual contribution is ₹1,000.
Partial withdrawal (up to 25% of contributions) is allowed after 3 years for specific purposes like higher education, marriage, or medical treatment. Complete withdrawal is only permitted at age 60 or under special circumstances.
Your NPS account is portable across jobs and locations. It remains with you throughout your life, and you can continue contributions regardless of employment status.
NPS offers triple tax benefits: 1) Deduction up to ₹1.5 lakh under Section 80CCD(1), 2) Additional deduction of ₹50,000 under Section 80CCD(1B), and 3) Tax-free accumulation until withdrawal. At maturity, up to 60% of corpus is tax-free, while the remaining 40% used to purchase annuity is taxable as income.
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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
AMFI Registered Mutual Fund Distributor | PALLAB ROUTH | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-2027
