Retirement Simplified
Calculators
Knowledge Centre
Who we are
Start early, gain more
Due to the delay of Months
Your Target Wealth will reduce by %
with loss of ₹2,97,772
The National Pension System (NPS) is a market-linked, voluntary and defined contribution pension scheme in India regulated by the PFRDA which helps subscribers plan and save for their retirement. NPS is an EEE (exempt-exempt-exempt) scheme under which significant tax benefits are applicable in both investment & withdrawal phase.
Historically delivered upto 16%* , outperforming most traditional pension products
(source: NPS trust for Tier I equity scheme)
Save taxes under Section 80CCD (1), 80CCD (1B) & 80CCD (2)
Regulated and secured by PFRDA, ensuring transparency and safety
Withdraw up to 80% of your NPS corpus at retirement, with 60% completely tax-free, and use the rest to receive a guaranteed lifelong pension.
Grow your wealth with professional fund management across equities, corporate bonds & government securities
NPS has one of the lowest charges across pension options available in India (<0.3%)
Chairperson of the Pension Fund Regulatory and Development Authority (PFRDA)
Invest in NPS
In less than a minute
STEP 01
Basic details & KYC
Share a few essentials to get your journey started
STEP 02
Compare & choose your plan
Explore options and pick a plan that suits your goals
STEP 03
Finalise & review your detail
One last check before you invest
STEP 04
Invest & let your money grow
Start now. Retire stress-free.
Annualised
Returns
Tax Exemption on Investment
Taxation on Maturity
Contribution Limit (Per Financial Year)
Flexible Investment options
Exempt
(u/s 80 CCD)
Partially taxable
(Upto 60%
corpus tax free)
No Limit
Yes
7.1%
Exempt
(upto 1.5 L u/s 80C)
Tax free
1.5 L
(in a Financial
Year)
No
8.2%
Exempt
(upto 1.5 L u/s 80C)
Partially taxable
(upto 50K can be
exempted)
30 L
(Lifetime)
No
Exempt
(upto 1.5 L u/s 80C)
Partially taxable
(exempt if annual premium is less than 2.5L)
No Limit
Yes
7.4%
Exempt
(upto 1.5 L u/s 80C)
Taxable
9 L
(Lifetime)
No
10%–12%
Taxable
(select MF exempt)
Taxable
No Limit
Yes
6%-7%
Taxable
Taxable
No Limit
No
Taxable
Taxable
No Limit
Yes
Learn More About NPS
The national pension system can offer lakhs in tax savings.
Let's understand tax the exemptions you can avail on NPS contributions!
₹1.5 L –
Your contribution under section 80 CCD (1)*
50 K –
Additional under section 80 CCD(1b)
14%^ of basic salary -
Additional under section 80 CCD(2) -
Employer contribution to NPS from your CTC
* Subject to max ₹1.5L under 80C
^ 14%
for government, 10% for private sector employees
14% of basic salary –
Additional under section 80 CCD(2) – Employer
contribution to NPS from your CTC
Upto 20% of gross total income, subject to maximum of ₹1.5L under section 80 C
The primary, tax-benefit retirement account under NPS with low minimum yearly contributions
Who can open:
All eligible subscribers (Residents, NRIs, OCIs)
Minimum contribution:
Withdrawals:
Tax Benefits:
• Tax benefit on investments
Best for: Investors who want to use NPS for retirement planning
A voluntary, flexible savings account under NPS with easy withdrawals.
Who can open:
Only those who already have a Tier I account (Not available to NRIs/OCIs)
Minimum contribution:
₹1,000 at account opening, ₹250 per transaction
Withdrawals:
Anytime, no restrictions
Tax Benefits:
• Tax benefit on investments : Nil
Best for: Investors who want to use NPS for short/medium-term savings
with low charges.
Is Hands-Free Approach, ideal for beginners who don't want to actively manage allocations. The mix of equity and debt adjusts automatically as you grow older.
Life Cycle 25 – Low Equity exposure starts at 25% till age 35 and gradually reduces to 5% after age 55
Life Cycle 50 – Moderate Equity exposure starts at 50% till age 35 and gradually reduces to 10% after age 5
Life Cycle 75 – High Equity exposure starts at 75% till age 35 and gradually reduces to 15% after age 55
Life Cycle – Aggressive Equity exposure starts at 50% till age 45 and gradually reduces to 35% after age 55
Best for: First-time investors who prefer a "set-and-forget" approach
If you want to design your own portfolio, you can split contributions across these asset classes (subject to limits):
Equity (E): Invested in listed shares (max 75% till age 50; reduces after that). Higher risk, higher return potential
Corporate Bonds (C): Debt issued by corporates. Moderate risk, stable income
Government Securities (G): Sovereign bonds. Lowest risk, steady returns
Alternative Assets (A): REITs, InvITs, etc. (Max 5%). For diversification
Best for: Experienced investors who want control and have risk appetite
Choose high-growth options with equity exposure of up to 100%
Flexible exit after 15 years or on reaching age 60 whichever is earlier
Invest across multiple pension schemes under one NPS account
Pension Fund Managers can offer customised schemes for different investor groups with varying risk levels
Your contributions are managed by licensed Pension Fund Managers (PFMs). You can choose one from the list and even switch later.
Current PFMs include:
SBI Pension Funds
HDFC Pension Fund
ICICI Prudential Pension Fund
UTI Retirement Solutions
Kotak Mahindra Pension Fund
Axis Pension Fund
Aditya Birla Sun Life Pension Fund
Tata Pension Fund
DSP Pension Fund
LIC Pension Fund
Past performance of different asset classes in NPS.
Note: Past performance does not guarantee future returns.
