Achieve your goals with flexible savings and measured income
The Surakshit Income Fund Tier II is a balanced pension scheme under the Multiple Scheme Framework (MSF) of the National Pension System.
This fund is suited for individuals who prefer a measured approach to wealth creation. These are typically those who wish to participate in the long-term growth of equities while maintaining the comfort of debt-backed stability.
The Surakshit Income Fund Tier II combines stability and controlled growth through a carefully balanced structure. Allowing investors to choose between retirement-focused savings and voluntary contributions.
Tier II (Voluntary Savings):
Tier II is a voluntary savings option that offers complete liquidity. Investors can contribute or withdraw funds as per their financial needs. Hence, it is useful for shorter-term goals.
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The Surakshit Income Fund Tier II follows distinct asset allocation strategy.
Tier II – Voluntary Savings
The Surakshit Income Fund Tier II’s balanced structure allows capital appreciation through equity exposure while safeguarding against volatility with government and corporate bonds.
Other key benefits include the following.
Please Note: Past performance is not indicative of future results. NPS returns are market-linked.
To ensure performance transparency and measurable outcomes, each plan under the NPS Surakshit Income Fund Tier II is benchmarked against carefully selected market indices. These benchmarks reflect the fund’s investment mix and serve as reference points for evaluating returns.
Tier II Composite Index*
The Tier II benchmark places greater emphasis on fixed-income securities, reflecting its conservative positioning. BSE 200 TRI (15%) provides limited equity exposure for modest capital appreciation. NPS Government Securities Index (25%) anchors the portfolio with sovereign-grade stability. NPS Corporate Bond Index (60%) forms the core. It captures steady returns from quality corporate issuers.
*- Subject to approval from regulator – PFRDA
NPS Surakshit Income Fund Tier II provides easy access whenever funds are required.
NPS Surakshit Income Fund Tier II operates as a voluntary savings account without a lock-in period. Subscribers can withdraw funds anytime. This gives investors full liquidity and access to their savings for short-term goals or emergencies, while still remaining within the NPS ecosystem.
Flexibility is a key aspect of the NPS Surakshit Income Fund. Investors are allowed to switch from common schemes to the Multiple Scheme Framework (MSF) to align with their changing financial objectives.
Transparency and cost efficiency remain at the heart of the Surakshit Income Fund structure. The fund-management fee is capped at 0.30% of Assets Under Management (AUM) per annum, in line with PFRDA regulations.
Additional charges for the Central Recordkeeping Agency (CRA), Custodian, and NPS Trust services are nominal and disclosed regularly.
Investments in the Surakshit Income Fund under NPS qualify for attractive tax deductions under the Income Tax Act, 1961. These benefits apply differently to salaried employees and self-employed individuals.
Deduction up to 10 % of salary (Basic + DA) under Section 80CCD(1) within the overall ceiling of ₹1.50 lakh under Section 80CCE.
Additional deduction up to ₹50,000 under Section 80CCD(1B) over and above the ₹1.50 lakh limit under Section 80CCE.
Employer contributions are eligible for deduction up to 14 % of salary (Basic + DA), for all employees, under Section 80CCD(2). This benefit is available over and above the overall ₹1.50 lakh ceiling under Section 80CCE.
Deduction up to 20% of gross income under Section 80CCD(1) within the overall ceiling of ₹1.50 lakh under Section 80CCE.
Additional deduction up to ₹50,000 under Section 80CCD(1B), over and above the ₹1.50 lakh limit.
The NPS Surakshit Income Fund stands out as a balanced pension scheme that merges growth potential and capital preservation. It caters especially to self-employed individuals, digital professionals, and conservative savers.
By combining equity exposure with corporate and government bonds, the fund reduces risk while providing the opportunity for gradual wealth creation. It also benefits from professional fund management and strict oversight by the Pension Fund Regulatory and Development Authority (PFRDA), ensuring transparency and reliability.
For those looking to invest in NPS through a plan that supports both stability and measured growth, the Surakshit Income Fund by HDFC Pension offers a well-rounded, long-term solution.
It’s never too early, or too late, to plan for financial security. The NPS Surakshit Income Fund’s balanced approach within the Multiple Scheme Framework provides the right mix of growth, stability, and flexibility for every kind of investor. To learn more or begin your investment journey, visit HDFC Pension and open your NPS account online today.
