Why NPS?

An NPS subscriber makes contributions to a retirement account. Contributions are invested according to the selected investment option, and the accumulated value depends on contributions, investment performance, charges, and applicable exit rules.

NPS is designed for long-term retirement planning. The account is portable, so it can generally continue when a subscriber changes employment or location, subject to scheme rules.

Read the NPS overview at NPS Trust

NPS is available to eligible Indian citizens. NPS Trust currently lists an entry age of 18 to 85 years, subject to applicable eligibility requirements and account-opening rules.

Different processes and NPS models may apply to government employees, corporate employees, and individual subscribers.

Check current eligibility on the NPS Trust website

See account details at NPS Trust

Subscribers can choose from the available pension funds and investment options, subject to rules for their NPS sector and account type.

• Active Choice: select an available asset allocation within scheme limits.
• Auto Choice: use an age-based lifecycle allocation that adjusts over time according to the selected option.
• Asset classes: Equity (E), Corporate Debt (C), Government Securities (G), and Alternative Investment Funds (A), subject to availability and allocation limits.

Investment choices affect risk and potential outcomes. Past performance does not guarantee future results, and NPS returns are market-linked.

Explore investment choices at NPS Trust

Tax treatment and any available benefits depend on current law, account type, your circumstances, and the tax regime you choose. Charges may apply to NPS accounts and services.

Confirm current tax provisions and charges with official sources before investing or making tax decisions.

• Tax benefits information - NPS Trust
• Charges under NPS - NPS Trust

• Choose contributions and an investment approach that suit your retirement horizon, goals, and risk tolerance.
• Understand applicable account charges, withdrawal conditions, exit rules, and annuity requirements.
• Review your account and investment choices periodically, and seek qualified advice if you need personal financial guidance.

NPS rules, eligibility, tax provisions, charges, and product features may change. Refer to current official documents before making a decision.

Consult these official sources for current scheme rules, notices, and guidance:

• NPS overview, account tiers, and investment choices - NPS Trust
• Frequently asked questions - NPS Trust
• Pension Fund Regulatory and Development Authority (PFRDA)

This page provides general information and is not investment, tax, or legal advice.