Secure Retirement
NPS offers a powerful way to build a retirement corpus with extra tax savings.
Explore ServicesNational Pension Scheme
Building a disciplined foundation for your retirement years. NPS offers a structured way to accumulate a retirement corpus while utilizing tax-efficiency frameworks.
How it works: Contributions made systematically are allocated across diversified asset classes (Equity, Corporate Debt, Government Securities) based on your personal preference. The accumulated corpus compounds over time. At retirement (age 60), you can withdraw a tax-free lump sum while utilizing the remaining portion to secure a lifelong annuity.
Why Choose NPS?
NPS is one of the lowest-cost investment products globally. It offers flexibility in asset allocation and portability across jobs and locations. With the power of compounding and professional fund management, it is an ideal tool for retirement planning.
Tax Benefits Overview (Annual Limits)
*NPS offers an exclusive additional deduction of ₹50,000 over and above Section 80C.
Low-Cost Structure
NPS stands out as one of the most cost-effective investment instruments globally. The fund management fees are capped at a nominal fraction of a percent, ensuring that a larger share of your returns remains compounding within your portfolio.
NPS Asset Classes
| Asset Class | Investment Focus | Maximum Equity Cap / Risk Profile |
|---|---|---|
| Asset Class E | Equity shares of listed corporate entities | Capped at 75% for Tier I; Higher Risk |
| Asset Class C | Corporate bonds and debentures | 100% allocation allowed; Moderate Risk |
| Asset Class G | Government securities & sovereign debt | 100% allocation allowed; Low Risk |
| Asset Class A | Alternative assets (REITs, InvITs) | Capped at 5%; Very High Risk |
Our Support Process
Account Onboarding
Assisting you with PRAN generation, application documentation, and digital setup.
Portfolio Selection
Sharing detailed information on Active Choice and Auto Choice lifecycles.
Detail Management
Providing administrative help for nominee updates, scheme shifts, and transactional tracking.
Exit Support
Guiding you through annuity selection and lumpsum claims at age 60.
Frequently Asked Questions
What is the difference between Tier I and Tier II accounts?
Tier I is a mandatory retirement account with strict withdrawal rules that qualifies for exclusive tax deductions under Section 80C and Section 80CCD(1B). Tier II is an optional, highly liquid savings account with no lock-in or tax benefits.
How does the Auto Choice option work?
Under Auto Choice, your investments are managed via a lifecycle framework that automatically tapers down equity exposure and increases safer debt allocation as you age.
Can I withdraw my NPS corpus before retirement?
Partial withdrawals (up to 25% of your contributions) are permitted in Tier I for specific milestones (such as children's higher education, marriage, or critical illness treatments) after completing 3 years of membership.
Is NPS mandatory for private-sector employees?
No, the National Pension Scheme (NPS) is a voluntary investment framework for private-sector employees. Anyone aged 18 to 70 can choose to open an account to secure tax benefits and build a retirement fund.