Your Retirement, Made Simple

Compare pension plans, calculate your retirement needs, and secure your future with easeStart Planning Today

3 Steps to Secure your Future

Plan

Calculate how much you need for a peaceful retirement

Calculate now

Compare

Compare different retirement planning options

Compare now

Invest

Find your best fit & Start investing now

Invest now

Know How Much you Need to Retire Rich & Stress-free

Calculate the Income You'll Need

Current Age

Your Current Monthly Expenses

₹

Your Retirement Age

60Years

5055606570

You Want to Invest For

30Years

1015202530

Expected Rate of Return

12%

6%8%10%12%14%16%

Inflation Rate

2%3%4%5%6%7%8%

You would need monthly income of

------

when you retire at the age of 60

NPS – “The Smarter Way to Retire”

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.

High returns

9–12% CAGR

Historically delivered 9–12% CAGR, outperforming most traditional pension products

Triple tax benefit on contributions

Save up to ₹2.7 L per annum

Save taxes under Section 80CCD (1), 80CCD (1B) & 80CCD (2)

Government backed

PFRDA regulated

Regulated and secured by PFRDA, ensuring transparency and safety

Tax free withdrawal + Assured pension at retirement

60% tax-free withdrawal

Withdraw tax-free lump sum along with regular lifelong income from annuity

Market-linked growth

Equity & debt mix

Grow your wealth with professional fund management across equities, corporate bonds & government securities

Lowest-cost retirement product

Charges <0.25% in India

NPS has one of the lowest charges across pension options available in India (<0.25%)

Start Now →

How to start NPS via Pensionbazaar

Open account online

In 5 Minutes

STEP 01

Basic details & KYC

Fill in your basic personal details & complete your KYC (digital or manual upload)

STEP 02

NPS account type selection

Choose between - Tier 1 account or Tier 1 & Tier 2 both accounts

STEP 03

Share your account details

Enter (a/c number, Branch IFSC, bank name, branch name)

STEP 04

Select your nominee

Select your nominee(s) and their share(s)

STEP 05

PFM & Investment options selection

Select your Pension fund manager & preferred investment option (flexibility to change it later)

STEP 06

Start your NPS

Make the first contribution (multiple payment modes available) and start your NPS account

A Quick Look at the Popular Retirement Planning Options

9–12%

Exempt
(u/s 80 CCD)

Upto 1.5 L u/s 80 CCD(1)
Additional 50 K u/s 80 CCD(1 B)
Additional 14% u/s 80 CCD(2) Employer contribution to NPS
*Applicable basis your tax regime

Partially taxable
(Upto 60% corpus tax free)

No Limit

Tick_Image Yes

7–8%

Exempt
(upto 1.5 L u/s 80C)

Tax free

1.5 L
(in a Financial Year)

Cross_Image No

8.2%

Exempt
(upto 1.5 L u/s 80C)

Partially taxable
(upto 50K can be exempted)

30 L
(Lifetime)

Cross_Image No

10%–15%

Exempt
(upto 1.5 L u/s 80C)

Partially taxable
(exempt if annual premium
2.5 L)

No Limit

Tick_Image Yes

7%–7.5%

Exempt
(upto 1.5 L u/s 80C)

Taxable

9 L
(Lifetime)

Cross_Image No

10%–12%

Taxable
(select MF exempt)

Taxable

No Limit

Tick_Image Yes

6%-7%

Taxable

No Limit

Cross_Image No

Upto 13.2%

Taxable

No Limit

Tick_Image Yes

Learn More About NPS

Let's Understand the Tax Exemptions

The national pension scheme 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

Your Retirement, Made Simple

3 Steps to Secure your Future

Plan

Compare

Invest

Know How Much you Need to Retire Rich & Stress-free

Calculate the Income You'll Need

Your Retirement Age

You Want to Invest For

Expected Rate of Return

Inflation Rate

You would need monthly income of

NPS – “The Smarter Way to Retire”

High returns

Triple tax benefit on contributions

Government backed

Tax free withdrawal + Assured pension at retirement

Market-linked growth

Lowest-cost retirement product

How to start NPS via Pensionbazaar

A Quick Look at the Popular Retirement Planning Options

NPS

PPF

SCSS

Pension ULIPs

POMIS

Mutual Funds

Bank FD

Bonds

Learn More About NPS

Let's Understand the Tax Exemptions

Old Tax Regime

New Tax Regime