National Pension System

Government-backed retirement scheme with market-linked returns and extra tax benefits under Section 80CCD(1B).

Expected Returns

9-12% p.a.

Market-linked returns across equity, corporate bonds, and govt. securities

Min. Investment

Rs.500/month

Minimum Rs.1,000 per year to keep account active

Lock-in Period

Until age 60

Partial withdrawal allowed after 3 years for specific purposes

Tax Benefit

Up to Rs.2L

Rs.1.5L under 80CCD(1) + extra Rs.50K under 80CCD(1B)

How It Works

1

Open NPS Account

Register online with PAN and Aadhaar. Choose between Tier I (retirement) and Tier II (flexible).

2

Select Fund Manager

Pick from 7 pension fund managers. Choose Active or Auto allocation across equity, bonds, and govt. securities.

3

Contribute Regularly

Set up monthly auto-debit. Minimum Rs.500/month. Track your corpus growth on the NPS dashboard.

Frequently Asked Questions

Tier I is the primary retirement account with tax benefits and withdrawal restrictions until age 60. Tier II is a voluntary savings account with no lock-in and no tax benefits (except for government employees). You must have a Tier I account to open Tier II.

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