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National Pension System (NPS)
Secure Your Retirement with Smart Investing
The National Pension System (NPS) is a government-backed retirement savings scheme designed to provide financial security in your golden years. It offers a flexible and tax-efficient way to build a retirement corpus through systematic investments in equity, corporate bonds, and government securities. With market-linked returns, professional fund management, and low-cost structure, NPS is an ideal long-term wealth-building tool. Additionally, investors enjoy tax benefits under Sections 80CCD(1), 80CCD(1B), and 80CCD(2), making it a preferred choice for both salaried and self-employed individuals.
What We Offer
Corporate NPS
Corporate NPS is designed for employees of registered organizations, offering them a structured and tax-efficient way to save for retirement.
✅ Employer Contribution Benefit: Employers can contribute up to 10% of basic salary + DA, which is tax-deductible under Section 80CCD(2).
✅ Employee Contributions: Employees can voluntarily contribute to enhance their retirement corpus while claiming deductions under Sections 80CCD(1) and 80CCD(1B).
✅ Long-Term Wealth Creation: Market-linked returns ensure capital appreciation over time, making it a strong retirement planning tool.
✅ Seamless Enrollment: Organizations can register under NPS to provide a structured pension scheme for employees.
Self NPS
Retirement Planning for Self-Employed & Individuals
Self NPS is designed for self-employed individuals, freelancers, and professionals who want to build their retirement fund independently.
✅ Flexible Contributions: Investors can decide how much and how often to invest, with a minimum annual contribution of ₹1,000 in Tier-I.
✅ Tax Benefits: Contributions qualify for ₹1.5 lakh deduction under Section 80CCD(1), with an additional ₹50,000 under Section 80CCD(1B).
✅ Customized Investment Options: Choose from Active Choice (self-managed asset allocation) or Auto Choice (age-based allocation) for diversified growth.
✅ Retirement Security: At maturity (60 years), 60% of the corpus can be withdrawn tax-free, while 40% must be used for annuity purchase to ensure regular pension income.
What We Offer
Tier-I Account: Tax-Efficient Retirement Savings
The primary NPS account with restrictions on withdrawals to ensure long-term financial security.
✅ Tax Benefits: Deductions up to ₹1.5 lakh under Section 80CCD(1) and an additional ₹50,000 under Section 80CCD(1B).
✅ Market-Linked Growth: Investments are diversified across equity, corporate bonds, and government securities for optimal returns.
✅ Withdrawal Rules: Partial withdrawal allowed under specific conditions, full withdrawal permitted at retirement (60 years).
✅ Pension & Annuity: At maturity, 60% can be withdrawn tax-free, while 40% must be used for annuity purchase to ensure regular pension income.
Tier-II Account: Flexible Voluntary Savings
An optional savings account with no withdrawal restrictions, offering liquidity and flexibility.
✅ No Lock-in Period: Unlike Tier-I, funds can be withdrawn anytime.
✅ Higher Liquidity: Functions like a mutual fund, allowing easy deposits and withdrawals.
✅ No Additional Tax Benefits: Unlike Tier-I, contributions do not qualify for extra tax deductions.
With its low-cost structure, flexible investment options, and significant tax benefits, NPS—whether Corporate or Self—is a powerful retirement planning tool, ensuring financial independence and stability in later years.
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