NPS | Aditya Birla Money Limited

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Navigate Your Way to Financial Security with NPS
INVEST NOW

The National Pension System (NPS) is your gateway to financial stability and a worry-free retirement. NPS is more than just a retirement plan; it's a dynamic financial tool designed to help you reach your dreams and secure your golden years. Discover what NPS is and why it's a game-changer for your financial future.

KEY FEATURES
Flexibility

NPS gives you freedom in planning your retirement. Invest in Tier I or Tier II accounts, choose your contribution, and change investment options when you want to. Your financial canvas is up to you.

types of NPS accounts

TIER I
These accounts are non-withdrawable until the account holder reaches 60 years of age or retires. These can be opened with a minimum deposit of Rs 500.

TIER II
These accounts operate as voluntary savings accounts, allowing individuals to make withdrawals at their discretion. These accounts can be opened only when the individual has an active Tier 1 account. The minimum deposit required is Rs 250.

Investment Options

NPS offers investment options that meet your comfort level no matter what your investment preference is. Your retirement portfolio can be designed to meet your needs, whether it's equity or fixed income.

SAVE TAX WITH NPS

Explore NPS tax benefits through interactive graphics and charts. See how your contributions save taxes.

Section 80CCD (1B):
Take a deduction of up to ₹50,000 with Section 80CCD (1B). Get a head start on retirement savings.
Section 80CCD (2):
Salaried individuals can maximize their deductions by contributing up to 10% of their salary (Basic Salary + Dearness Allowance) under Section 80CCD (2). Make your salary work harder for you.
save tax with nps save tax with nps
reasons to invest in nps
FEW MORE REASONS TO INVEST IN NPS

Government of India initiative

Enjoy tax-free
withdrawals

Eligible for all citizens of India aged 18-70 years

Open your NPS Account in few simple steps

On Retirement, get regular pension + lump sum benefit

INVEST NOW
reasons to invest in nps
Fund your retirement and dreams with NPS

Some examples of Investment Strategies you can use with NPS

fund your retirement
Diversified Investment:
With NPS, you can invest in a mix of investments that ensure your portfolio is balanced.
Monthly Investment: 5,000
Total Corpus at retirement: 2,72,22,559
Total amount invested: 38,85,000
diversified investment
Investment Age: 25
35 years of investment
Retirement age: 60
Annul increase in contribution: 5%  |  
Expected annual returns on investments: 10%  |  
Expected annuity rate: 8%
Rahul's Journey: Meet Rahul, a retiree who achieved financial independence as a result of NPS. Upon reaching 60, he received a lump sum of 1.6 crores and a guarantee of annuity income for life of 1.1 crores.

Disclaimer: The above illustration is only indicative.
*Expected invested % in annuity is 40%
*Rate of return is 10%
*Rate of return given in the above illustration is indicative in nature & does not guarantee or provide any assurance in the future. Investments are subject to market risk.
Tier II Accounts:
Take advantage of Tier II accounts' complete withdrawal flexibility and equity exposure.
Monthly Investment: 5,000
Total Corpus: 26,33,660
Total Investment: 12,15,000
diversified investment
Investment Age: 30
15 years of investment
Corpus at age: 45
Total corpus: Rs. 26,33,660  |  
Years of investment: 15  |  
Annul increase in contribution: 5%  |  
Expected annual returns on investments: 10%
Shaurya & Shirin: Sharya and Shirin used NPS not only for retirement but also to pay for their dream European trip. Having Tier II accounts provided them with flexibility and growth potential, which helped them accomplish their goals.

Disclaimer: The above illustration is only indicative.
*Rate of return is 10%
*Rate of return given in the above illustration is indicative in nature & does not guarantee or provide any assurance in the future. Investments are subject to market risk.
financially independent
Do you want to become financially independent?

It is easy and convenient to open an NPS account. The process of opening an account is as easy as clicking the "Open Account Now" button below. Start building your future today!

OPEN ACCOUNT NOW
Frequently Asked Questions (FAQs)

What is NPS?

The Pension plans under the National Pension System (NPS) are defined contribution plans. During a person's working life, he/she can subscribe to NPS and make contributions to their Individual Pension Account. This will enable them to build a pension corpus from which a regular income will be generated after retirement.

What are the features of NPS?

  • Regulated - NPS is regulated by PFRDA, which is established through an Act of Parliament. (PFRDA Act 2013).
  • Pension for All - can be voluntarily subscribed by any Indian Citizen (resident/non-resident/overseas citizen).
  • Low Cost – NPS is one of the lowest-cost pension schemes in the world.
  • Flexible - Subscribers have choices of Point of Presence (PoP), Central Recordkeeping Agency (CRA), Pension Fund and Asset Allocation. The choices exercised can be changed subsequently.
  • Portable – NPS account can be transferred across employment, location/geography.
  • Tax efficiency – Tax incentives are available to subscribers under the Income Tax Act 1961.
  • Optimum returns – Market-linked returns based on investment choices made by the subscriber.
  • Transparent – Subscribers can access their NPS accounts online 24X7 and public disclosures are mandated.
NPS FAQs
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