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The National Pension System (NPS) is a tax-efficient retirement savings plan that helps you build a strong financial cushion for your golden years. By choosing to buy NPS, you gain access to market-linked growth, disciplined savings, and exclusive tax benefits. Whether you’re planning for a stress-free retirement or looking for long-term wealth creation, investing in NPS is a wise decision. Start today and take a step towards financial independence with NPS!
Open your NPS Account
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You'll need to choose a Central Recordkeeping Agency (CRA). CRAs handle various aspects of your account, including contributions, withdrawals, and providing account statements. Please note Corporate contributions will begin only after your employer enables your PRAN for Corporate contributions.
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NPS can now be continued up to 85 years of age (earlier limit was 75).
Benefit to you:
• Longer market participation and compounding
• Ideal for phased retirement or delayed income needs
• No pressure to withdraw before you actually need the money
Yes. The mandatory annuity requirement has been reduced to 20% for Non-Government subscribers at exit excluding PSU employees with corporate accounts.
Benefit to you:
• Higher flexibility in using your retirement corpus
• You can manage a larger portion of funds yourself
• Lower dependence on annuity rates at one point in time
Subscribers can choose from various pension fund managers available and enroll themselves online or through the nearest branch. Subscribers can oversee their investment via online accounts.
Yes, NRI can open a national pension system account, and their respective contributions are subject to regulatory requirements of RBI and FEMA.
Yes, 100% lump sum withdrawal is allowed if your total NPS corpus is ₹8 lakh or less, for both Government and Non-Government subscribers.
Benefit to you:
• Small-corpus subscribers are not forced into annuity
• Immediate access to entire retirement savings
• Simplified exit process
SUR allows you to withdraw your NPS corpus gradually in units over time, instead of a one-time lump sum.
Benefit to you:
• Regular cash flow after retirement
• Reduced market timing risk
• Better tax and income planning
Up to 4 partial withdrawals are now permitted before age 60, with a minimum gap of 4 years between withdrawals.
Benefit to you:
• Higher flexibility during working years
• Ability to meet life events without exiting NPS
• Retirement savings remain largely intact
In case of the subscriber’s demise, the spouse will receive the amount. After the passing of both the subscriber and their spouse, the nominee will be entitled to receive the accumulated pension wealth up to the subscriber’s age of 60.
