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.
Retirement Focused
For Tomorrow
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.
Regular Contributions
Contributions can be made periodically to build a disciplined long-term investment habit.
Market Linked
NPS investments can be allocated across different asset classes subject to applicable NPS rules and investment choices.
Long-Term Discipline
The structure encourages investors to remain focused on their long-term retirement objectives.
Start Building For Your Future.
Retirement planning becomes easier when you start early and follow a disciplined long-term approach.
Long-Term Retirement Corpus
NPS is designed to help investors accumulate funds for retirement over a long investment horizon.
Diversified Asset Allocation
Depending on the applicable NPS option, investments may be allocated across equity, corporate debt, government securities and other permitted asset classes.
Disciplined Investing
Regular contributions can help create a structured retirement investment habit.
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.
From Contribution to Retirement Planning.
Understand the basic journey of participating in NPS and building your retirement strategy.
Open NPS Account
Complete the applicable registration and account opening process through the available NPS channel.
Make Contributions
Contribute towards your NPS account according to your chosen investment approach and applicable rules.
Invest Across Assets
Your contributions are invested according to the selected asset allocation and NPS framework.
Plan For Retirement
Continue monitoring your long-term retirement strategy and plan according to applicable withdrawal and exit rules.
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 Exposure
Provides exposure to equity-market investments. Equity can offer growth potential but is also subject to market fluctuations.
Corporate Debt
Provides exposure to permitted corporate debt instruments and forms part of the broader portfolio allocation.
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.
Explore NPS →