# PensionBazaar

> PensionBazaar is India's leading retirement planning platform that helps individuals compare pension plans, calculate retirement needs, and invest in government-regulated retirement products. It is a brand under Paisabazaar Marketing and Consulting Private Limited, regulated and authorised to distribute PFRDA-regulated products.

PensionBazaar simplifies retirement planning for Indian investors through tools, comparisons, and direct investment in NPS and other pension products. The platform covers the full retirement planning journey — from calculating how much you need, to comparing products, to investing — across both government-backed and market-linked instruments.

## Core Products & Investment Options

- [National Pension System (NPS)](https://www.pensionbazaar.com/nps/): Market-linked, voluntary retirement scheme regulated by PFRDA. Offers up to 16% historical returns, triple tax benefits (Section 80CCD(1), 80CCD(1B), 80CCD(2)), and flexible fund allocation. Available as Tier I (retirement account) and Tier II (voluntary savings). Invest online in less than a minute.
- [NPS Vatsalya](https://www.pensionbazaar.com/nps/nps-vatsalya/): NPS variant for children under 18 years of age.
- [Public Provident Fund (PPF)](https://www.pensionbazaar.com/public-provident-fund/): Government-backed savings scheme with 7.1% p.a. interest, tax-free maturity, and contributions capped at ₹1.5L/year under Section 80C.
- [Employee Provident Fund (EPF)](https://www.pensionbazaar.com/epf/): Employer-employee mandatory retirement savings scheme managed by EPFO.
- [Senior Citizen Savings Scheme (SCSS)](https://www.pensionbazaar.com/pension-and-savings-schemes/): Returns of 8.2% p.a., lifetime cap of ₹30L, partial tax exemption up to ₹50K.
- [Annuity](https://www.pensionbazaar.com/annuity/): Guaranteed lifetime income product; annuity rates around 7% p.a.
- [Pension ULIPs](https://www.pensionbazaar.com/pension-and-savings-schemes/): Insurance-linked pension plans with 10–15% returns and flexible investment options.
- [Mutual Funds](https://www.pensionbazaar.com/mutual-funds/): Market-linked investment funds with 10–12% expected returns.
- [Post Office Monthly Income Scheme (POMIS)](https://www.pensionbazaar.com/nps/pomis/): Monthly income scheme with 7.4% returns, lifetime cap of ₹9L.
- [Wealth 360](https://www.pensionbazaar.com/wealth-360/): Comprehensive portfolio tracking tool.
- [Retirement Planning](https://www.pensionbazaar.com/retirement-planning/): Guides, strategies, and tools for holistic retirement corpus planning.

## Calculators

- [Pension Planning Calculator](https://www.pensionbazaar.com/calculators/pension-calculator/): Estimates monthly retirement income needed based on current expenses, age, and inflation.
- [NPS Calculator](https://www.pensionbazaar.com/nps/nps-calculator/): Projects NPS maturity amount and monthly annuity based on investment amount, frequency, and tenure.
- [Cost of Delay Calculator](https://www.pensionbazaar.com/calculators/cost-of-delay/): Shows how delaying SIP start date reduces final wealth.
- [Power of Compounding Calculator](https://www.pensionbazaar.com/calculators/power-of-compounding/): Demonstrates growth of investments over time through compounding.

## NPS — Key Details

### Account Types
- **Tier I**: Primary retirement account. Minimum ₹500 to open; ₹1,000/year to stay active. Up to 4 partial withdrawals before retirement. Tax benefits under 80CCD(1), 80CCD(1B), and 80CCD(2). At retirement, up to 80% corpus can be withdrawn; up to 60% is tax-free; minimum 20% must go to annuity.
- **Tier II**: Voluntary savings account. Requires existing Tier I. No restrictions on withdrawals. No tax benefits. Minimum ₹1,000 to open; ₹250 per transaction. Not available to NRIs/OCIs.

### Investment Choices
- **Auto Choice (Life-Cycle Fund)**: Hands-free, auto-adjusting equity/debt allocation. Options: LC-25 (low), LC-50 (moderate), LC-75 (high), LC-Aggressive.
- **Active Choice**: DIY allocation across Equity (E, max 75% till age 50), Corporate Bonds (C), Government Securities (G), and Alternatives (A, max 5%).

### Tax Benefits
- **Old Tax Regime (Salaried)**: Up to ₹1.5L under 80CCD(1) + ₹50K under 80CCD(1B) + 14% of basic salary (govt) or 10% (private) under 80CCD(2).
- **New Tax Regime**: 14% of basic salary under 80CCD(2).
- **Self-Employed**: Up to 20% of gross total income, subject to ₹1.5L under Section 80C.

### Pension Fund Managers (PFMs)
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.

## EPF & PPF Resources

- [EPFO Member Login](https://www.pensionbazaar.com/epf/epfo-member-login/)
- [EPF Balance Check](https://www.pensionbazaar.com/epf/balance-check/)
- [PF Withdrawal](https://www.pensionbazaar.com/epf/pf-withdrawal/)
- [UAN Activation](https://www.pensionbazaar.com/epf/uan-activation/)
- [EPFO Passbook](https://www.pensionbazaar.com/epf/epfo-passbook/)
- [EPF Claim Status](https://www.pensionbazaar.com/epf/epf-claim-status/)
- [EPF Withdrawal Rules](https://www.pensionbazaar.com/epf/epf-withdrawal-rules/)
- [Pension Fund Withdrawal](https://www.pensionbazaar.com/epf/pension-fund-withdrawal/)
- [PPF Account Open Online](https://www.pensionbazaar.com/public-provident-fund/how-to-open-ppf-account-online/)
- [Loan Against PPF](https://www.pensionbazaar.com/public-provident-fund/loan-against-ppf/)
- [PPF Extension Rules](https://www.pensionbazaar.com/public-provident-fund/ppf-extension-rules/)
- [PPF Account for Minors](https://www.pensionbazaar.com/public-provident-fund/ppf-account-for-minors/)
- [PPF Interest Rate](https://www.pensionbazaar.com/public-provident-fund/ppf-interest-rate/)
- [PPF Account Explained](https://www.pensionbazaar.com/public-provident-fund/ppf-account-explained/)

## Pension Schemes & Retirement Planning Articles

- [Atal Pension Yojana (APY)](https://www.pensionbazaar.com/retirement-planning/atal-pension-yojana/)
- [Madhu Babu Pension Yojana](https://www.pensionbazaar.com/retirement-planning/madhu-babu-pension-yojana/)
- [Government Pension Schemes](https://www.pensionbazaar.com/retirement-planning/what-private-employees-can-learn-from-government-pension-schemes/)
- [Viklang Pension Yojana](https://www.pensionbazaar.com/retirement-planning/viklang-pension-yojana/)
- [Life Expectancy Calculator](https://www.pensionbazaar.com/retirement-planning/life-expectancy-calculator/)
- [Retirement Corpus Planning (Bucket Method)](https://www.pensionbazaar.com/retirement-planning/retirement-corpus-planning-bucket-method/)
- [NPS Returns](https://www.pensionbazaar.com/nps/nps-returns/)
- [NPS Withdrawal](https://www.pensionbazaar.com/nps/nps-withdrawal/)
- [PRAN](https://www.pensionbazaar.com/nps/pran/)
- [PPO Full Form](https://www.pensionbazaar.com/nps/ppo/)
- [Knowledge Centre / Articles](https://www.pensionbazaar.com/articles/)

## Company & Legal

- [About Us](https://www.pensionbazaar.com/about-us/)
- [Contact Us](https://www.pensionbazaar.com/contact-us/)
- [Privacy Policy](https://www.pensionbazaar.com/privacy-policy/)
- [Terms of Use](https://www.pensionbazaar.com/terms-of-use/)
- [Grievance Redressal Mechanism](https://www.pensionbazaar.com/grievance-redressal/)
- [Intellectual Property Policy](https://www.pensionbazaar.com/intellectual-policy/)

PensionBazaar is a brand of Paisabazaar Marketing and Consulting Private Limited, part of the PolicyBazaar Group. It acts as an intermediary for banks, financial institutions, mutual funds/AMCs, and PFRDA-regulated products. For fraud-related concerns, contact: care@pensionbazaar.com