National Pension System (NPS)
The lowest-cost retirement product in India — with tax benefits no other option gives.
- Extra Tax Benefit
- ₹50,000 u/s 80CCD(1B)
- Fund Cost
- As low as 0.09%
- Entry Age
- 18 – 70 years
- Regulated By
- PFRDA
NPS is a government-regulated retirement scheme where your contributions are invested in equity and debt by pension fund managers at ultra-low cost. Beyond the standard 80C limit, NPS gives an exclusive additional deduction of ₹50,000 under Section 80CCD(1B) — and employer contributions enjoy further benefits.
Features & benefits
- Tier I (retirement) and Tier II (flexible savings) accounts
- Choice of pension fund managers — switch anytime
- Auto or active asset allocation (up to 75% equity)
- Exclusive ₹50,000 deduction over and above 80C
- Portable across jobs and cities
- 60% lump-sum withdrawal at 60 is tax-free
Eligibility
- Indian citizens (resident or NRI) aged 18–70
- Valid Aadhaar and PAN
- Active bank account
- KYC compliance
Documents required
- Aadhaar card
- PAN card
- Bank account details
- Photograph
- Nominee details
How it works
- 1
A short conversation on goals, horizon and risk
- 2
We propose a plan with specific products
- 3
Complete KYC and invest online
- 4
Regular reviews to keep you on track
Frequently asked questions
How much pension will NPS give me?
At 60, at least 40% of your corpus buys an annuity that pays lifelong pension; up to 60% can be withdrawn tax-free. A ₹5,000 monthly contribution from age 30 can build a corpus of roughly ₹1.1–1.7 crores by 60 at 9–11% returns.
Is NPS better than PPF or ELSS?
They serve different jobs. NPS is the only one with the extra ₹50,000 deduction and enforced retirement discipline; ELSS has more upside and a 3-year lock-in; PPF is fully guaranteed. Many of our clients hold all three — we help size each.
Can I withdraw before 60?
Partial withdrawals (up to 25% of your own contributions) are allowed for specific needs like education, marriage or illness after 3 years. Full early exit requires 80% of the corpus to buy an annuity — NPS is deliberately built for retirement.
What is Tier II?
A voluntary savings account alongside your Tier I — same low-cost funds but no lock-in and no tax benefit (except for government employees). Useful as a flexible, cheap investment pocket.