Secure your future with the National Pension System (NPS)

The NPS is a powerful tool designed to help every Indian citizen achieve financial stability in their retirement years. It encourages disciplined savings and provides a reliable pension upon retirement, ensuring you can live comfortably in your golden years.

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Financial Security for All Citizens

The National Pension System (NPS) offers a reliable path to a stable financial future for you and your loved ones. Designed to provide financial security during retirement, NPS is a government-backed savings scheme open to all Indian citizens, offering a low-cost, flexible, and tax-efficient solution for building your retirement fund. With NPS, you gain access to a diverse portfolio managed by professional fund managers, ensuring steady growth over time.

Join millions of Indians who have chosen NPS to safeguard their financial future and enjoy the peace of mind that comes with a well-planned retirement. Start securing your tomorrow, today!

Well Regulated & Transparent

Secure your second innings with a product that's regulated and transparent

Cost Effective

One of the Lowest Cost retirement product

Save more on Taxes

Enjoy exclusive tax benefits!

Power to choose

You decide how and when to invest, Where to invest and how you choose to retire

Why Choose NPS?

Attractive Returns

NPS invests in a mix of equity, corporate bonds, and government securities, offering the potential for higher returns compared to traditional savings instruments. Enjoy the benefits of market-linked growth and watch your investment thrive.

Tax Benefits

Maximize your savings with substantial tax deductions. Contributions to NPS qualify for deductions under Section 80C and an additional deduction under Section 80CCD(1B), making it a tax-efficient way to save for your future.

Flexible Investment Options

Customize your investment strategy by choosing from various fund managers and asset classes. Whether you prefer aggressive growth through equities or a more conservative approach with fixed income, NPS allows you to tailor your portfolio to match your risk appetite.

Types of Accounts

Tier-I Account

The Tier-I account is the primary retirement savings account where applicants contribute their funds for long-term growth. Withdrawals from this account are restricted, ensuring that the savings are preserved for retirement. Contributions to the Tier-I account are eligible for tax benefits in accordance with the prevailing Income Tax regulations, making it an attractive option for retirement planning.

Tier-II Account

Who Can Register?

Individual Subscribers

Between 18-70 years can join years
Easy and multiple registration options (Aadhaar, Digilocker etc.)
Open Tier I (Pension A/c) and Tier II (Add-on investment A/c)

Government Subscribers

Central Govt./ State Govt. (including autonomous bodies) employees covered in NPS.
Employees joined after applicable date mandatorily covered in NPS.
Open Tier I (Pension A/c), Tier II (Add on investment A/c), TTS A/c .

Corporate Subscribers

Employees of Corporates who have adopted NPS can join
Get additional Tax Benefits on employers contribution
Flexibilty in choosing contribution (employer/employee), pension fund etc

NRI and OCI Subscribers

Between 18-70 years can join on repatriation or non-repatriation basis .
Contributions to come from NRE and NRO A/c.
For repatriation of amount, contributions should be made from NRE A/c only.

APY Subscribers

Any citizen of India between 18-40 years can join.
Applicable for Non-Income Tax payers only.
Easy online registration options (Online/Offline Aadhaar).

GDS Subscribers

Employees covered under SDBS are eligible to join.
Between 18-65 years can join.

NPS Vatsalya (Minors)

Subscriber below 18 years of age.
Easy and multiple registration options (Aadhaar, Digilocker etc.)
Applicable for NRI & OCI Subscribers also.
Contributions to come from NRE and NRO A/c. (Applicable only for NRI/OCI Subscribers).

Build Your Retirement Plan

Start Planning Today!

Investing in NPS is a simple and effective way to build a secure retirement plan. Contribute regularly, track your progress, and make adjustments as needed. With NPS, you’re not just saving money; you’re investing in your peace of mind for tomorrow.

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Frequently Asked Questions

Any citizen of India, whether resident or non-resident, can join the NPS, provided they are between 18 and 65 years of age at the time of application. Subscribers must also comply with Know Your Customer (KYC) norms.

Yes, Non-Resident Indians (NRIs) can open an NPS account. However, they must adhere to regulatory requirements set by the Reserve Bank of India (RBI) and the Foreign Exchange Management Act (FEMA).

No, subscribers are not allowed to have multiple NPS accounts. Each individual can only have one Permanent Retirement Account Number (PRAN), which is fully portable across jobs and locations.

The minimum annual contribution for a Tier I account is ₹1,000. There is no minimum contribution requirement for Tier II accounts.

Contributions made to NPS are eligible for tax deductions under Section 80C up to ₹1.5 lakh and an additional ₹50,000 under Section 80CCD(1B)

Partial withdrawals from Tier I accounts are allowed after three years for specific purposes like education or medical emergencies. However, full withdrawals are only permitted upon reaching retirement age or under specific conditions.

Upon reaching retirement age (60 years), subscribers must use at least 40% of their corpus to purchase an annuity from an approved insurance company while being allowed to withdraw up to 60% as a lump sum.

The National Pension System is regulated by the Pension Fund Regulatory and Development Authority (PFRDA), which ensures transparency and protects subscriber interests.