You need monthly income of
₹0/month
at the age of 60
Based on 5% Inflation. See how?
To get a corpus of
₹6.70Cr
in 20 years @15% CAGR
Which gives you
Income for life
/month for household expenses
from ₹3.70Cr invested in annuity @7%
Any other big expenses to plan for in retirement?
Plan for Big Events
Your retirement isn't just about daily expenses. Factor in life's major milestones to ensure you're fully prepared.
On retirement, you'll need
₹3.00Cr
for your big events.
To get a corpus of
₹6.70Cr
in 20 years @15% CAGR
Which gives you
Income for life
/month for household expenses
from ₹3.70Cr invested in annuity @7%
Lumpsum payout
₹1.94 Cr
for your big events
The National Pension System (NPS) is a market-linked, voluntary and defined contribution pension scheme in India regulated by the PFRDA which helps subscribers plan and save for their retirement. NPS is an EEE (exempt-exempt-exempt) scheme under which significant tax benefits are applicable in both investment & withdrawal phase.
Historically delivered upto 16%* , outperforming most traditional pension products
(source: NPS trust for Tier I equity scheme)
Save taxes under Section 80CCD (1), 80CCD (1B) & 80CCD (2)
Regulated and secured by PFRDA, ensuring transparency and safety
Withdraw up to 80% of your NPS corpus at retirement, with 60% completely tax-free, and use the rest to receive a guaranteed lifelong pension.
Grow your wealth with professional fund management across equities, corporate bonds & government securities
NPS has one of the lowest charges across pension options available in India (<0.3%)
Shri Sivasubramanian Ramann
Chairperson of the Pension Fund Regulatory and Development Authority (PFRDA)
Invest in NPS
In less than a minute
STEP 01
Basic details & KYC
Share a few essentials to get your journey started
STEP 02
Compare & choose your plan
Explore options and pick a plan that suits your goals
STEP 03
Finalise & review your detail
One last check before you invest
STEP 04
Invest & let your money grow
Start now. Retire stress-free.
Annualised
Returns
Tax Exemption on Investment
Taxation on Maturity
Contribution Limit (Per Financial Year)
Flexible Investment options
Exempt
(u/s 80 CCD)
Partially taxable
(Upto 60%
corpus tax free)
No Limit
Yes
7.1%
Exempt
(upto 1.5 L u/s 80C)
Tax free
1.5 L
(in a Financial
Year)
No
8.2%
Exempt
(upto 1.5 L u/s 80C)
Partially taxable
(upto 50K can be
exempted)
30 L
(Lifetime)
No
Exempt
(upto 1.5 L u/s 80C)
Partially taxable
(exempt if annual premium is less than 2.5L)
No Limit
Yes
7.4%
Exempt
(upto 1.5 L u/s 80C)
Taxable
9 L
(Lifetime)
No
10%–12%
Taxable
(select MF exempt)
Taxable
No Limit
Yes
6%-7%
Taxable
Taxable
No Limit
No
Taxable
Taxable
No Limit
Yes
Learn More About NPS
The national pension system can offer lakhs in tax savings.
Let's understand tax the exemptions you can avail on NPS contributions!
Old Tax Regime
₹1.5 L –
Your contribution under section 80 CCD (1)*
50 K –
Additional under section 80 CCD(1b)
14%^ of basic salary -
Additional under section 80 CCD(2) -
Employer contribution to NPS from your CTC
* Subject to max ₹1.5L under 80C
^ 14%
for government, 10% for private sector employees
New Tax Regime
14% of basic salary –
Additional under section 80 CCD(2) – Employer
contribution to NPS from your CTC
Self Employed
Upto 20% of gross total income, subject to maximum of ₹1.5L under section 80 C
01 Tier I Account
The primary, tax-benefit retirement account under NPS with low minimum yearly contributions
Who can open:
All eligible subscribers (Residents, NRIs, OCIs)
Minimum contribution:
Withdrawals:
Tax Benefits:
• Tax benefit on investments
Best for: Investors who want to use NPS for retirement planning
02 Tier II Account
A voluntary, flexible savings account under NPS with easy withdrawals.
Who can open:
Only those who already have a Tier I account (Not available to NRIs/OCIs)
Minimum contribution:
₹1,000 at account opening, ₹250 per transaction
Withdrawals:
Anytime, no restrictions
Tax Benefits:
• Tax benefit on investments : Nil
Best for: Investors who want to use NPS for short/medium-term savings
with low charges.
01 Auto Choice (Life-Cycle Fund)
Is Hands-Free Approach, ideal for beginners who don't want to actively manage allocations. The mix of equity and debt adjusts automatically as you grow older.
Life Cycle 25 – Low Equity exposure starts at 25% till age 35 and gradually reduces to 5% after age 55
Life Cycle 50 – Moderate Equity exposure starts at 50% till age 35 and gradually reduces to 10% after age 5
Life Cycle 75 – High Equity exposure starts at 75% till age 35 and gradually reduces to 15% after age 55
Life Cycle – Aggressive Equity exposure starts at 50% till age 45 and gradually reduces to 35% after age 55
Best for: First-time investors who prefer a "set-and-forget" approach
02 Active Choice - DIY Allocation
If you want to design your own portfolio, you can split contributions across these asset classes (subject to limits):
Equity (E): Invested in listed shares (max 75% till age 50; reduces after that). Higher risk, higher return potential
Corporate Bonds (C): Debt issued by corporates. Moderate risk, stable income
Government Securities (G): Sovereign bonds. Lowest risk, steady returns
Alternative Assets (A): REITs, InvITs, etc. (Max 5%). For diversification
Best for: Experienced investors who want control and have risk appetite
03New Pension Schemes
Choose high-growth options with equity exposure of up to 100%
Flexible exit after 15 years or on reaching age 60 whichever is earlier
Invest across multiple pension schemes under one NPS account
Pension Fund Managers can offer customised schemes for different investor groups with varying risk levels
Your contributions are managed by licensed Pension Fund Managers (PFMs). You can choose one from the list and even switch later.
Current PFMs include:
SBI Pension Funds
HDFC Pension Fund
ICICI Prudential Pension Fund
UTI Retirement Solutions
Kotak Mahindra Pension Fund
Axis Pension Fund
Aditya Birla Sun Life Pension Fund
Tata Pension Fund
DSP Pension Fund
LIC Pension Fund
Past performance of different asset classes in NPS.
Note: Past performance does not guarantee future returns.
The Employee Provident Fund (EPF) is a statutory savings scheme for salaried employees in India, managed by the EPFO. It acts as a foundational retirement tool where both employees and employers contribute a fixed monthly percentage of the basic salary. The accumulated corpus grows through annually declared compound interest, providing long-term financial stability.
The Public Provident Fund (PPF) is a secure, government-backed savings avenue designed to encourage long-term capital accumulation among all Indian citizens. Featuring a fixed fifteen-year tenure and legally guaranteed returns, it provides a stable investment option. The interest earned and the final maturity amount are completely tax-exempt under sovereign statutory provisions.
Pension Plans encompasses a diverse range of institutional pension frameworks, superannuation models, and government-backed social security programmes. These initiatives are designed to cater to different segments of the workforce, offering structured financial relief through fixed annuities, monthly stipends, or senior citizen benefits to ensure continuous financial protection during post-work lifespans.
Retirement planning is the strategic process of evaluating future living expenses, inflation trends, and life expectancy to achieve long-term financial autonomy. Retirement Planning discipline involves calculating required corpus sizes, managing active asset allocations, and establishing structured withdrawal strategies, ensuring that individuals accumulate sufficient wealth to maintain their desired lifestyle after leaving active employment.
An annuity is a specialised financial contract that converts a lump-sum retirement corpus into a guaranteed, regular stream of income. Functioning as the core mechanism of the retirement decumulation phase, annuity mitigates the risk of individuals outliving their capital by delivering lifetime monthly or annual payouts through empanelled life insurance service providers.
Mutual funds are pooled investment vehicles managed by professional asset management companies to invest in diversified portfolios of equities, corporate debt, and government securities. Operating through systematic investment plans or lump-sum allocations, these market-linked instruments enable everyday investors to benefit from compound growth, capital appreciation, and risk optimization over extended time horizons.
Corporate National Pension System (Corporate NPS) is an employer-sponsored retirement savings scheme that enables employees to build a retirement corpus while enjoying additional tax benefits. It complements salary benefits and encourages disciplined, long-term retirement planning.
NPS Vatsalya is a government-backed pension scheme for minors that allows parents or guardians to start investing early for their child's financial future. The account can continue seamlessly into a regular NPS account once the child reaches adulthood.
Atal Pension Yojana (APY) is a government-backed pension scheme aimed at workers in the unorganised sector. It helps subscribers build a retirement corpus and provides a guaranteed monthly pension after the age of 60, subject to scheme conditions.
Gold Investment is a time-tested way to preserve wealth and hedge against inflation. It allows investors to build a portfolio through physical gold, digital gold, or Sovereign Gold Bonds, combining long-term value appreciation with financial security.
Silver Investment offers an affordable entry point into precious metals, with strong industrial demand driving long-term potential. It allows investors to diversify their portfolio through physical silver, digital silver, or silver ETFs alongside traditional retirement assets.
Fixed Deposit (FD)is a secure investment option that offers guaranteed, fixed returns over a chosen tenure. It suits conservative investors looking to protect capital while earning predictable interest income, making it a reliable addition to any retirement plan.
Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme designed for the girl child. It allows parents or guardians to build a secure financial corpus for her education and marriage, offering attractive interest rates and tax benefits.
NPS Sanchay is a structured approach to National Pension System contributions, helping subscribers save consistently and grow their retirement corpus over time. It combines disciplined investing with the tax advantages and market-linked returns of NPS.
NPS Calculator helps you estimate your retirement corpus and expected monthly pension based on your contributions, investment tenure, and expected rate of return. It's a quick tool to plan and optimize your NPS investment strategy.
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