NPS – National Pension System

A Smart and Secure Way to Plan Your Retirement
The National Pension System (NPS) is a government-backed, low-cost, long-term retirement savings scheme designed to help individuals build a financially secure future. Whether you’re a salaried employee, a business owner, or self-employed, NPS enables you to invest today for a comfortable and independent retirement tomorrow.

With tax benefits, market-linked growth, and lifelong pension options, NPS is one of the most effective tools to plan your retirement smartly and systematically.

Key Features of NPS

✅ Dual Account Structure

• Tier I Account: Mandatory, with restrictions on withdrawal (for retirement savings)
• Tier II Account: Voluntary, flexible, and offers easy withdrawals

✅ Market-Linked Growth
Your contributions are invested in a mix of equity, corporate bonds, and government securities — managed by professional pension fund managers.

✅ Choice of Investment Strategy

• Auto Choice: Allocation changes automatically based on your age
• Active Choice: You choose how your money is distributed

✅ Portable & Flexible
Remains active across jobs, locations, and sectors (private, public, or self-employed)

✅ Partial Withdrawals Allowed
Up to 25% withdrawal allowed after 3 years for specific needs (like education, illness, or home purchase)

Tax Benefits

• Under Section 80CCD(1): Tax deduction up to ₹1.5 lakh (within the ₹1.5 lakh 80C limit)
• Under Section 80CCD(1B): Additional deduction of ₹50,000 (over and above 80C limit)
• Section 80CCD(2): Employer contribution (up to 10% of salary) is also tax-exempt

Who Can Invest in NPS?

• Indian citizens between 18 and 70 years
• Salaried individuals looking for extra tax savings
• Business owners and self-employed professionals
• Anyone planning for a financially independent retirement

Withdrawal & Pension at Maturity

• At age 60, you can withdraw up to 60% of the corpus tax-free
• The remaining 40% must be used to buy an annuity to receive monthly pension for life
• Option to defer withdrawals till age 75 if needed

Plan Today for a Peaceful Tomorrow

NPS is not just a savings plan — it’s a comprehensive retirement solution offering growth, flexibility, and lifelong income. As your financial consultant, I guide you through NPS registration, fund selection, contribution strategy, and tax planning — ensuring you build a secure retirement without financial stress.

📞 Want to secure your golden years? Let’s build your NPS plan today.