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
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.
Choose the action that fits your needs
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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Access Distributor PortalRisk factor: www.sanchaykaro.com is an online website Registered name: Mr. PALLAB ROUTH | AMFI Registered Mutual Fund Distributor | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-27 | Self-help tool, not advisory. No charges, no return guarantees. Mutual Funds are subject to market risks. Read scheme documents. Past performance may not sustain. Check Exit Loads & TER before investing. We deal only in Regular Plans (we earn trailing commission – disclosed at investment). Direct Plans (lower expense ratio) are available but we do not deal in them.
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