Build a Secure Retirement with NPS
National Pension System is India's most tax-efficient retirement savings scheme — regulated by PFRDA, backed by the Government of India. Save more, pay less tax, retire rich.
Tier I — Pension Account
The primary NPS account with maximum tax benefits. Your long-term retirement nest egg.
PFRDA Regulated · Government Backed
Tier II — Savings Account
A voluntary savings extension with full liquidity. Withdraw anytime — no lock-in.
Requires active Tier I account
Primary Deduction
Contributions up to ₹1,50,000 qualify for deduction under 80C — shared with PPF, ELSS, LIC etc.
Exclusive NPS Benefit
Additional ₹50,000 deduction exclusive to NPS — over and above the ₹1.5L limit of 80C.
Employer Contribution
Employer's NPS contribution up to 10% of Basic + DA is fully tax-exempt for the employee.
Register Online
Complete registration with PAN, Aadhaar & bank details.
eKYC Verification
Instant Aadhaar-based KYC — no physical documents needed.
Choose Funds
Select Active Choice or Auto Choice based on your risk appetite.
First Contribution
Pay minimum ₹500 via UPI/Net Banking. PRAN generated instantly.
Start Investing
Set up auto-debit SIP. Your pension journey begins today.
Equity
Invests in index funds tracking Nifty 50 and Sensex. Highest growth potential.
Corporate Bonds
AA-rated corporate debt instruments. Balanced risk-return profile.
Govt Securities
Central and state government bonds. Safest, most stable returns.
Alternatives
REITs, InvITs, and structured products. Capped at 5% of portfolio.
| Feature | NPS | PPF | ELSS |
|---|---|---|---|
| Lock-in Period | Till 60 years | 15 years | 3 years |
| Expected Returns | 10–12% (market-linked) | 7.1% (fixed) | 12–15% (market-linked) |
| Tax Deduction u/s 80C | ✓ Yes | ✓ Yes | ✓ Yes |
| Extra ₹50K Deduction | ✓ Yes (80CCD1B) | ✗ No | ✗ No |
| Maturity Taxability | 60% tax-free | 100% tax-free | LTCG above ₹1L taxable |
| Minimum Investment | ₹500/year | ₹500/year | ₹500/month SIP |
| Pension on Maturity | ✓ Yes | ✗ No | ✗ No |
| Regulated By | PFRDA | Govt. of India | SEBI |
Any Indian citizen between 18–70 years of age can open an NPS account, including salaried employees, self-employed professionals, and NRIs. OCI card holders are also eligible.
After completing 3 years, you can make partial withdrawals (up to 25% of your own contributions) for specific purposes: children's higher education/marriage, purchase/construction of first home, treatment of serious illness. You can do this a maximum of 3 times.
Your PRAN (Permanent Retirement Account Number) stays with you — it's portable across jobs and locations. Simply inform your new employer about your existing PRAN and they will start contributing to the same account.
Yes. Under Active Choice, you can select from 7 PFRDA-approved Pension Fund Managers including SBI Pension Funds, HDFC Pension, ICICI Pru Pension, Kotak Pension, and others. You can change your fund manager once per year.
EPF is mandatory for salaried employees earning below ₹15,000/month, offers fixed returns (~8.15%), and provides full withdrawal. NPS is voluntary for most, offers market-linked returns (typically higher), and requires 40% to be used for annuity. NPS also offers an extra ₹50,000 deduction that EPF does not.
Start Your NPS Journey Today
Open your account in 10 minutes. Save ₹62,400 in tax. Build a lifetime pension.
Open Free NPS Account