The simplest, lowest-cost way to build a retirement corpus.
A retirement account run for you, not sold to you.
The National Pension System is a voluntary, long-term savings scheme created by the Government of India and regulated by the PFRDA.
Tier I is your locked retirement account with all the tax benefits.
Tier II is optional, with no restrictions on withdrawal.
Your money is spread across Equity (E), Corporate Bonds (C), Government Bonds (G) and Alternate Assets (A) - automatically by age, or in a mix you set yourself.
Pick from PFRDA-approved pension fund managers and switch later if you want - your account and PRAN stay exactly the same.
Hands-off, or hands-on. You decide.
A lifecycle fund automatically rebalances your mix as you age.
Contribute any amount, any time. There's no upper limit.
Withdraw up to 80% of your corpus, the rest buys an annuity for a monthly pension.
Your PRAN (Permanent Retirement Account Number) follows you across jobs and cities
Four asset classes. One portfolio.
Every rupee in NPS is invested across four regulated asset classes. Auto Choice mixes them for you by age; Active Choice lets you set the split yourself, within the caps below.
Invested in shares of large listed Indian companies, mostly tracking broad indices. This is the growth engine of your corpus - the highest returning over two or three decades.
Bonds and debentures issued by high-rated companies, PSUs and banks. They pay a steadier return than equity with far less swing, and act as the middle layer between growth and safety in your portfolio.
Bonds issued by the Central and State governments, carrying sovereign backing. Returns move with interest rates rather than markets, which makes this the anchor asset class as you get closer to 60.
A small satellite allocation to instruments like REITs, InvITs and asset-backed securities. It adds diversification beyond stocks and bonds, which is why the regulator keeps the ceiling deliberately low.
Build a retirement plan that's truly yours.
MSF lets you tailor your retirement plan to fit your unique financial goals and life stage. This flexibility helps you create a personalized, goal-focused strategy for a secure retirement.
When your employer contributes, everyone wins.
Corporate NPS lets companies contribute to their employees' retirement accounts as part of the salary structure.
It's a high-impact, low-cost benefit: better take-home tax efficiency for staff, and a meaningful retention tool for employers.
Employer contributions up to 14% of basic is tax free under New Tax Regime.
Change jobs and keep the same PRAN — nothing resets.
Contributions qualify as a deductible business expense.
A valued long-term benefit at negligible administrative cost.
Access when you need it, exit on your terms.
NPS keeps your money working for the long term, with sensible windows to draw on it for life's big moments — and a clear path out at retirement.
Below age 60, you can withdraw up to 25% of your own contributions (not employer contribution or interest) - up to 4 times during the accumulation phase.
You can exit at age 60, or after 15 years of subscription (All India Citizenship Model). Opt for a phased withdrawal over time, or stay invested up to age 85.
How NPS stacks up.
Most Indians hold two or three of these. Side by side, the differences in cost, flexibility and growth potential become obvious.
One of the best instruments to begin your corpus.
Among the cheapest fund management charges of any Indian product.
The lock-in until 60 isn't a limitation, it is the discipline that lets compounding actually work.
Up to 100% equity exposure under MSF scheme gives your corpus the growth needed to stay ahead of rising costs.
PFRDA oversight, daily-valued NAVs and clear statements, you always know where you stand.