Extra ₹50,000 tax saving
National Pension System
Build your retirement corpus, save ₹50K extra tax
NPS is a government-backed retirement scheme regulated by PFRDA. Invest in equity / corporate bonds / G-sec mix till 60. Get exclusive ₹50,000 deduction under 80CCD(1B) — over and above ₹1.5 L of 80C.
Regulated by PFRDA
Key facts
- Minimum contribution
- ₹500/year (Tier I)
- Tax benefit
- 80C ₹1.5L + 80CCD(1B) ₹50K
- Lock-in (Tier I)
- Till age 60
- At 60
- 60% tax-free lumpsum, 40% annuity
What you get
Two-tier structure
Tier I — locked till 60, tax benefits. Tier II — fully flexible, no tax benefits, withdrawable anytime.
4 asset classes
E (equity, capped 75%), C (corporate bonds), G (govt securities), A (alternatives — REITs, InvITs).
Lowest expense ratio
PFM fee is just 0.03–0.09%. Compared to ~1–2% for active mutual funds.
Active or auto choice
Pick your own allocation (Active) or let age-based glide path auto-rebalance (Auto Choice — Aggressive/Moderate/Conservative).
Is this for you?
- Salaried and self-employed individuals planning for retirement
- Anyone who has exhausted ₹1.5 L of 80C and wants more tax saving
- Long-horizon investors (10+ years till age 60)
- Government employees (NPS is mandatory for new entrants)
Common questions about National Pension System
Risk & regulatory note
NPS returns depend on the chosen asset mix and market performance. Annuity rates at maturity vary by insurer and prevailing interest rates. Lock-in till age 60 applies to Tier I.
Talk to an advisor about National Pension System
Free 30-minute consultation. No fees, no pressure. We answer your questions before you commit.