Regulated, Tax-Efficient, Long-Term Pension Planning
The National Pension System (NPS) is a government-regulated retirement savings plan designed to provide market-linked growth, tax benefits, and post-retirement income. Backed by the Pension Fund Regulatory and Development Authority (PFRDA), NPS is open to all Indian citizens aged 18 to 70 years.
It allows flexible contributions into a professionally managed portfolio of equities, corporate bonds, and government securities. At maturity, a portion of the accumulated corpus can be withdrawn, while the rest is used to purchase an annuity for regular pension income.
Key Features of NPS
The National Pension System is structured to offer flexibility, long-term compounding, and tax efficiency—all within a regulated, transparent framework.
Here’s a quick overview of its key features:
Eligibility: Indian citizens aged 18–70 years (including NRIs)
Account Types: Tier-I (mandatory for tax benefits), Tier-II (optional savings account)
Lock-in Period: Till age 60 for Tier-I accounts
Withdrawals: Up to 60% lump sum tax-free at maturity; remaining 40% to be used for annuity purchase
Fund Options: Choose from equity (E), corporate debt (C), government bonds (G), or alternate assets (A)
Tax Benefits:
Up to ₹1.5 lakh under Section 80C
Additional ₹50,000 under Section 80CCD(1B)
NPS Vatsalya
NPS Vatsalya is designed for minors, enabling parents to start retirement savings for their children as early as age 10. The account is opened and managed by the parent/guardian until the child turns 18, after which the child can exit or continue the account under their own name.
Key Highlights:
Eligibility: Indian children aged 10 and above
Managed by: Parent/guardian until child reaches 18
Maturity Options: Continue as Tier-I or partially withdraw as per NPS rules
Benefit: Encourages long-term wealth creation from an early age
Tax Rules: Parent receives tax benefit on contribution under 80CCD(1)
Investment Structure
NPS portfolios are diversified across:
Equity (E): Market-linked investments for long-term growth
Corporate Bonds (C): Fixed income with moderate returns
Government Bonds (G): High safety, lower volatility
Alternative Assets (A): Limited exposure to high-risk, high-return instruments (for Tier-I)
Allocation is either managed manually (Active Choice) or automatically (Auto Choice) with risk levels adjusted over time.
Exit and Withdrawal Rules
At Age 60:
Up to 60% of the corpus can be withdrawn tax-free
Minimum 40% must be used to purchase an annuity
Before Age 60:
Up to 20% lump sum allowed
Minimum 80% must be annuitized
Partial Withdrawal (Tier-I):
Allowed after 3 years for specific purposes like higher education, marriage, house purchase, or medical emergencies
Max 25% of contributions (not total corpus)
What We Provide
Account opening assistance (Tier-I / Vatsalya)
PRAN generation and KYC handling
Fund manager and asset model selection
Contribution tracking and portfolio updates
Withdrawal/exit strategy at maturity
Start Your Pension Planning Today
Open your NPS account with guided assistance and long-term support. Secure your retirement—or your child’s future—with one of India’s most trusted pension solutions.
