The National Pension Scheme (NPS) is a government-backed, voluntary retirement savings scheme regulated by the PFRDA (Pension Fund Regulatory and Development Authority). It is designed to help individuals build a disciplined retirement corpus through market-linked, professionally managed pension funds — while offering some of the most attractive tax benefits available in India today.
NPS is a defined-contribution pension scheme where your contributions are invested across a mix of equity, corporate debt, and government securities, based on your chosen allocation or age-based auto allocation. The corpus accumulates over your working years and is used to provide you a regular income after retirement, along with a lump-sum withdrawal.
NPS is open to all Indian citizens (resident and NRI) between 18 and 70 years of age, and is available through two account types:
The primary retirement account with a lock-in until retirement (age 60). Mandatory for availing tax benefits. Partial withdrawals permitted only for specific purposes after 3 years, subject to conditions.
Read MoreA voluntary savings account with no lock-in — withdraw anytime. Can only be opened if you already have a Tier I account. No tax benefit on contributions (except for specified government employees under a 3-year lock-in).
Read MoreChoose from Active Choice (set your own mix of Equity, Corporate Bonds, Government Securities) or Auto Choice. Equity exposure is capped for a measured risk profile.
Read MoreDeduction up to ₹1.5L under Sec 80CCD(1), and an additional ₹50,000 under Sec 80CCD(1B). Employer contributions are deductible under Sec 80CCD(2).
Read MoreAt retirement: Up to 60% withdrawn tax-free; balance is annuitized. Before retirement: Full exit permitted only under specific conditions. Partial withdrawal permitted after 3 years.
Read MoreSalaried and self-employed individuals looking to build a dedicated retirement corpus.
Investors seeking additional tax deduction beyond the ₹1.5 lakh limit under Section 80C.
Long-term investors comfortable with a lock-in until retirement in exchange for disciplined, low-cost, professionally managed savings.
Guidance on choosing between Active and Auto Choice, and selecting the right pension fund manager.
Help with account opening (Tier I / Tier II), KYC, and ongoing servicing.
Periodic review of allocation as you approach retirement.
Support with partial withdrawal and exit/annuity formalities when the time comes.
Ready to secure your financial future? Contact us to learn more about NPS and how it fits into your long-term wealth strategy.
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