Maximise Your Retirement Growth with 100% Equity Exposure
The Equity Advantage Fund is a growth-oriented pension scheme launched under the Multiple Scheme Framework (MSF). It is specifically crafted for investors with aggressive risk profile looking to build a substantial corpus through market-linked returns.
With up to 100% allocation in equity, the fund leverages the long-term potential of the stock market. Thus, it has higher growth-oriented pension potential than conservative options. By staying invested through market cycles, investors can benefit from compounding wealth accumulation for a financially secure retirement.
The NPS Equity Advantage Fund has several unique advantages that align with the goals of ambitious investors seeking long-term growth.
High equity exposure: Up to 100% investment in equities enables maximum participation in market performance.
Ideal for early investors: Particularly suited to young professionals and high-income earners aiming for higher returns over extended investment horizons.
Flexible across life stages: Investors can continue contributing during earning years and enjoy a stable post-retirement income later through annuity options.
Regulated framework: Managed by HDFC Pension under the PFRDA, there’s the promise of transparency and professional oversight.
Comprehensive Protection: In the event of the subscriber’s death, 100% of the accumulated corpus is paid to the nominee.
When you buy NPS Equity Advantage Fund, it offers a unique opportunity to participate in India’s growth through equity markets. With professional fund management, low costs, and flexibility under the Multiple Scheme Framework, it suits investors who prioritise long-term growth.
The Equity Advantage Fund is intended for individuals who are confident in navigating short-term market volatility to achieve long-term growth. This scheme is ideal for:
Click here to view NPS scheme essentials.
Click here to view the scheme factsheet.
As a growth-oriented pension scheme, the NPS Equity Advantage Fund follows a focused allocation strategy. It is aimed at maximising equity exposure while allowing limited diversification for liquidity and risk management.
Asset Class | Allocation Range |
Equity (E) | 85–100% |
Alternate Investments (A) | Up to 5% |
Cash & Money Market | Up to 10% |
This asset structure provides a balance between high-return potential and tactical stability. The flexibility to hold a small portion in alternative and money market instruments helps make fund management more efficient.
To maintain transparency and alignment with market trends, the NPS Equity Advantage Fund is benchmarked against the BSE 200 TRI* (Total Return Index). This benchmark captures the performance of India’s leading large- and mid-cap companies. Hence, the fund’s returns closely reflect broader market performance.
The Equity Advantage Fund is designed as a long-term retirement product. For retail subscribers, the scheme matures 15 years from account opening or upon reaching 60 years of age, whichever is earlier. This structure encourages disciplined investing. It also ensures that subscribers stay committed to their retirement goals.
*- Subject to approval from regulator – PFRDA
The NPS Equity Advantage Fund offers well-defined withdrawal options under the PFRDA framework.
The Multiple Scheme Framework (MSF) allows subscribers to adjust their investment mix as their life stage or risk appetite changes.
During the vesting period, investors can switch between common schemes to align with their financial goals. After vesting, they may also move to other MSF schemes. This offers full flexibility to rebalance risk and optimise portfolio performance.
The NPS Equity Advantage Fund follows a regulated, low-cost fee framework. In addition, contributions are eligible for statutory tax deductions.
Fund-management charges are capped at 0.30% of AUM per annum. Nominal charges apply for Central Recordkeeping Agency (CRA), Custodian, and NPS Trust services.
Disclaimer
Section 123 read with Schedule XV of the Income-tax Act, 2025 – corresponding Section 80C and 80CCE of the Income-tax Act, 1961
Section 124(1)6 of the Act – Corresponding Section 80CCD(1) of the Income-tax Act, 1961
Section 124(3)1 of the Income-tax Act, 20252 – Corresponding Section 80CCD(1B) of the Income-tax Act, 1961
Section 124(1)3 of the Act – Corresponding Section 80CCD(2) of the Income-tax Act, 1961
Your retirement journey begins with a single decision. Let that be your investment in the NPS Equity Advantage Fund. Open your NPS account with HDFC Pension today.
