Retirement is closer than India thinks.
With life expectancy rising and inflation impacting savings, building enough is no longer optional. At niji.money we help you build, track, grow and protect your retirement corpus.
A young nation is quietly heading towards retirement.
India has the world's largest young population. But the same generation that feels decades away from retirement is exactly the one that needs to start now - because time, not income, is what builds a corpus.
We start where it matters most - the National Pension System.
niji.money is the registered NPS Pension Agent operating under the regulatory framework prescribed by the Pension Fund Regulatory and Development Authority (PFRDA). NPS being a low-cost, government-regulated, market linked retirement product, it is the single best place to begin building your retirement corpus.
What is NPS Investment Plan?
A government-regulated, market-linked retirement account - built to compound quietly for decades, and far more flexible than it used to be.
The National Pension System is overseen by the Pension Fund Regulatory and Development Authority (PFRDA). You contribute regularly - monthly or yearly - and your money is invested across equity, corporate bonds and government securities by professional pension fund managers, compounding until you retire at 60.
Recent regulatory changes made NPS considerably more personal. You can choose among pension fund managers and switch more often, set your own equity-debt mix under Active Choice, and use Systematic Lump-sum Withdrawal to draw down your corpus gradually after retirement instead of all at once.
Types of NPS Investment Accounts
Every NPS subscriber opens a primary Tier I retirement account, and can add an optional Tier II account alongside it. Parents and guardians can open a Vatsalya account for a minor child that converts to Tier I at 18.
Carries the tax benefits and stays invested until 60, with limited partial withdrawals for big life needs.
An optional savings account with no lock-in - put money in and take it out anytime. No extra tax benefit for most subscribers.
Which NPS is right for you?
Open an NPS account on your own terms — pick your fund manager, set your investment mix, and build a retirement corpus with the best tax break available.
Learn about Retail NPS →Employer contributions under Section 80CCD(2) stay deductible even under the new tax regime — making Corporate NPS one of the most tax-efficient benefits a company can offer.
Learn about Corporate NPS →Parents and guardians can open an NPS account for a child under 18 — giving decades of compounding a head start before the child even enters the workforce.
Learn about NPS Vatsalya →Key Features of NPS
World's cheapest retirement plan
NPS carries among the lowest fund management charges of any retirement product globally.
Better returns than traditional options
Equity exposure has historically helped NPS outperform fixed-return instruments like PPF and fixed deposits over the long term.
How much pension will I get?
Who can invest in NPS?
Almost anyone earning in India. If you are between 18 and 85 and hold a valid PAN and Aadhaar, you can open an NPS account today - salaried, self-employed or self-funding a child's future.
Corporate NPS
Corporate NPS enables your employer to contribute a part of your salary into an NPS account in your name - simple and digital payroll process, no extra cost to you and a retirement corpus that quietly compounds in the background.
The only meaningful tax saver under the New Tax regime.
Employer NPS contributions under Section 80CCD(2) are tax exempted in the New Tax regime.
Your company can put up to 14% of your basic pay into NPS, tax-free.
Continue tax benefits when you change jobs. Single PRAN number and fully portable.
Employee financial wellness at ZERO cost to the company
No administrative effort from HR and Finance teams. Niji.money takes care of end to end process.
Fully digital platform with onboarding, dashboards and analytics for HR and Finance.
Contribution to employee's NPS is a deductible business expense.
How do I invest?
Two ways to put money into NPS. Most people use both - a SIP for discipline, and a lump sum near the end of the financial year for the tax deduction.
Lumpsum
A one-time contribution, any amount from ₹500 upwards. Useful for a bonus, a windfall, or topping up before 31 March to claim the deduction for the year.
Systematic Investment Plan (SIP)
A fixed amount auto-debited every month. You average out market ups and downs, and compounding does the heavy lifting over the decades until 60.
One platform for your entire retirement journey.
From your NPS account to every other retirement asset, niji.money helps you build, track, grow and protect your corpus - all in one honest view.