Benefits

With NPS you are ensured of a systematic investment and withdrawal plan to take care of your finances post retirement.


TAX BENEFIT
Get extended tax benefit with Rs 150,000 under Section 80C limit and additional Rs 50,000 under Section 80CCD(1B).

Regulated: (Protection)
Gets protection as it is regulated by PFRDA, which is backed by the Indian Government.

Flexibility
You can switch between investment options (once a year) depending upon market conditions.

Beats Inflation
You can beat inflation by earning market linked returns if you opt for equity investment.

(Affordable) Systematic Saving
You can start saving as low as Rs 500 per transaction and Rs 1,000 per year.

No Upper Limit
You can plan your real retirement returns based on your requirements as there is no upside cap on investments in NPS

Cost Effective
The cost-adjusted returns of the NPS can be quite attractive in the long run.

Investment Options
You get two options to choose from, either active choice or auto choice investment options in NPS.

Trade Online

NPS How Trade Online

Step 1 Log into your trading account with your user id and password

Corporate NPS

NPS - Corporate

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Tax Benefits

Tax Benefits

Tax Illustrator <h3>Individual/Employee contribution</h3>
<div class="content"> <ul> <li>Your contribution amount to National Pension Scheme is tax free, that is, it is deductible from the total income), subject to upper limits</li> <li>The maximum limit eligible for this tax benefit is 10% of salary (basic salary and dearness allowance) if you are a salaried individual and 10% of total gross income if you are a non-salaried individual</li> <li>This tax benefit is available under Section 80C where the maximum limit for investments in various eligible securities and schemes is Rs 1,50,000. Your NPS contributions get an additional benefit as they are also allowed under Section 80CCD(1B) subject to a maximum of Rs 50,000</li> <li>So, you can claim up to Rs 1,50,000 for all your Section 80C investments (including NPS), and up to an additional Rs 50,000 for NPS contributions</li> </ul> </div><
Tax Illustrator <div class="content"> <ul> <li>If you are a salaried individual, and your employer is contributing to your NPS account on your behalf, your employer&rsquo;s contribution is tax free under section 80CCD(2)</li> <li>This is subject to a maximum limit of 10% of salary (basic salary and dearness allowance)</li> <li>The section 80CCD(2) benefit can be availed of over and above the tax benefit allowed for employee&rsquo;s own individual contribution to her pension account in NPS under Section 80C and Section 80CCD(1B)</li> <li>Thus, both employee contribution and employer contribution are eligible for tax benefits under NPS</li> </ul> </div>
<h3>Corporate/Employer contribution</h3><
Tax Illustrator <p>ELSS - Tax Benefit Calculator</p>
<p>Check out the exact tax benefit for individuals in different income brackets.</p><

Return Calculator

Return Calculator

My age now
18 years 59 years
Years
How much you invest P/M
What returns you are expecting
4 10
%
Congratulations!

Your pension wealth on retirement would be

0
Principal Invested
0
Interest Earned
0

Future Option

Lumpsum withdrawal at 60 years

0% 60%
%
Lumpsum Withdrawal
Pension Wealth Invested
Pension Per Month
0

* Min 40% of Pension Wealth should be invested in life annuity

Get NPS Account

Please Click on Link below
Activate

Individual Subscriber Registration

Individual Subscriber Registration

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More about NPS

Read our latest blogs and features to find out why and how NPS works as one of the better financial solution for your post retirement life.

Forms

Download the required forms for investing in NPS.

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FAQ

Get all your queries answered here

Who can subscribe for NPS?
The employee should be between 18-65 years of age as on the date of submission of his/her corporate NPS application to the POP/POP-SP. The employee should comply with the KYC normal as detailed in the Subscriber Registration form for corporate NPS. The registration form attached with Offer Document ...
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What are the POP charges at time of subscription & subsequent contribution?
"Subscriber needs to pay the service charges to POP (HDFC securities) for subscribing to NPS scheme. An Initial subscriber registration charge of Rs.400/- and an ad valorem transaction charge of 0.50%&nbsp; of&nbsp; the&nbsp; initial&nbsp; contribution&nbsp; amount*&nbsp; from&nbsp; subscriber&nbsp;...
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