National Pension System [ NPS ]

NPS, or National Pension Scheme, is a scheme started by the Government to encourage Indian citizens, especially those not covered by a formal pension plan in the organised sector, to contribute towards their retirement corpus. Despite the Mutual Fund like benefits & an innovative structure like that of the 401k Retirement Plans in USA, this scheme is perhaps the cheapest retirement product available in India right now.

NPS is regulated by the PFRDA (Pension Funds Regulatory & Development Authority). While it started for Government Employees in 2004 with fund managers from public sector, today it stars some of the best fund management entities in its offering.

Unlike the better known Voluntary Provident Fund run by the government (EPFO) which largely invests in low yielding central & state government bonds and marginally in ETFs, this scheme offers multiple options of different risk reward profiles (or asset allocations). It even gives an investor an option of automatic asset class rebalancing as per his / her age. Due to this, so far NPS has delivered much better results than the traditional EPFO.

For all people, whether covered by EPFO or not, this is a fantastic retirement planning tool that seeks to deliver market linked returns at the lowest cost through some of the best managers in the country.


A citizen of India including NRI.Age between 18 years and 65 years at...
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This is known as pension account and is mandatory to open.Tax benefit on...
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NPS gives Subscribers an option to invest according to their own choice...
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The Auto choice comes with 3 options of Investment,depending on the...
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key benefits

While the 2 most popular reasons for investment in NPS are Tax Savings...
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NPS assumes the retirement age for investors to be at 60 as per the...
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