Plan Today.
Retire With Confidence.
Build a disciplined retirement strategy with the
National Pension System. NPS is a regulated
retirement-focused investment framework designed
to help individuals build a long-term retirement corpus.
Explore NPS →
How NPS Works
Long-Term Planning
Retirement Focused
Build Your Corpus
For Tomorrow
RETIREMENT INVESTMENT
NPS
LONG TERM
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OBJECTIVE
Retirement
HORIZON
Long Term
ASSET MIX
Multiple Assets
APPROACH
Systematic
A Structured Approach to Retirement Planning.
NPS is a government-regulated defined contribution
pension system that enables eligible individuals to
invest for their retirement through a long-term,
market-linked framework.
◈
Retirement Focus
Designed specifically to help individuals
accumulate a retirement corpus over the
long term.
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Regular Contributions
Contributions can be made periodically to
build a disciplined long-term investment habit.
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Market Linked
NPS investments can be allocated across
different asset classes subject to applicable
NPS rules and investment choices.
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Long-Term Discipline
The structure encourages investors to remain
focused on their long-term retirement objectives.
WHY CONSIDER NPS
Start Building For Your Future.
Retirement planning becomes easier when
you start early and follow a disciplined
long-term approach.
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Long-Term Retirement Corpus
NPS is designed to help investors
accumulate funds for retirement
over a long investment horizon.
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Diversified Asset Allocation
Depending on the applicable NPS
option, investments may be allocated
across equity, corporate debt,
government securities and other
permitted asset classes.
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Disciplined Investing
Regular contributions can help create
a structured retirement investment habit.
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Retirement-Oriented Strategy
NPS keeps the focus on building
financial resources for your
post-retirement years.
Your Retirement
Is A Long-Term Goal.
A retirement strategy should consider your
investment horizon, contribution discipline,
asset allocation and long-term financial goals.
01
Start Early
02
Invest Regularly
03
Diversify
04
Plan For Retirement
HOW NPS WORKS
From Contribution to Retirement Planning.
Understand the basic journey of participating
in NPS and building your retirement strategy.
STEP 01
◎
Open NPS Account
Complete the applicable registration and
account opening process through the available
NPS channel.
STEP 02
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Make Contributions
Contribute towards your NPS account according
to your chosen investment approach and
applicable rules.
STEP 03
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Invest Across Assets
Your contributions are invested according to
the selected asset allocation and NPS framework.
STEP 04
◈
Plan For Retirement
Continue monitoring your long-term retirement
strategy and plan according to applicable
withdrawal and exit rules.
NPS ASSET CLASSES
Choose Your Investment Approach.
NPS provides investment choices across permitted
asset classes. The exact allocation and available
options depend on the applicable NPS framework.
EQUITY
Equity Exposure
Provides exposure to equity-market investments.
Equity can offer growth potential but is also
subject to market fluctuations.
CORPORATE DEBT
Corporate Debt
Provides exposure to permitted corporate debt
instruments and forms part of the broader
portfolio allocation.
GOVERNMENT SECURITIES
Government Securities
Provides exposure to permitted government
securities and can form part of a diversified
retirement portfolio.
Understand the Risks & Rules.
NPS is a long-term market-linked retirement product.
Investors should understand the applicable rules,
risks and withdrawal framework before investing.
Market Risk
Returns on market-linked investments can
fluctuate depending on the performance of
the underlying assets.
Long-Term Commitment
NPS is designed primarily for retirement planning.
Investors should understand applicable withdrawal
and exit conditions before investing.
Rules & Taxation
Tax benefits, withdrawal conditions and other
provisions are subject to prevailing laws,
regulations and NPS rules and may change over time.
Start Planning Your Retirement.
Take a long-term approach to your financial future.
Explore NPS and understand how it can fit into your
overall retirement strategy.
Disclaimer:
NPS is subject to applicable rules, regulations and market risks.
Investment returns are not guaranteed and may vary depending on
the performance of the underlying investments. Tax benefits,
withdrawal rules, contribution requirements and other provisions
are subject to prevailing laws and regulations and may change.
Investors should read the applicable NPS documents carefully and
assess their investment objectives, financial situation and risk
tolerance before investing.