Top Mutual Funds
TAX BENEFITS
Retirement & Tax planning can be two sides of the same coin! Invest in NPS & avail Tax benefits!
Invest NowRetirement & Tax planning can be two sides of the same coin! Invest in NPS & avail Tax benefits!
Invest Now
Tier 1 account mandatory to join NPS
Investment is locked-in until the age of 60
Withdrawals are conditional
Tax benefits can be claimed
Only Tier-I account holders can open it
No Lock-in period on investment
Flexible Withdrawal & Exit Rules
No Tax Exemptions on Contributions
A government sponsored retirement savings scheme
Regulated by Pension Fund Regulatory and Development Authority (PFRDA)
Allows regular contribution to a pension fund during working life
Subscribers choose from Equity and Fixed Income funds to grow savings
On retirement, a part of the corpus can be withdrawn in lump sum
Remaining corpus is invested in an annuity plan to secure regular income
Open your NPS Account digitally in less than 10 minutes
Start with just ₹ 1,000 per annum through Lumpsum or SIP
Seamlessly transfer pension account across jobs and location
Annual Fund Management fees on investment less than 0.09%
Combination of Equity and Debt offers higher return than traditional retirement schemes
Lock-in till the age of 60 years enusres subscribers remain invested for a long period of time
| Category | Section | Investment Limit |
|---|---|---|
| Own Contribution | 80 CCD (1) | 10% of Salary (upto 1.5 lakh) |
| Additional Contribution | 80 CCD (1B) | ₹50,000 |
| Employer Contribution | 80 CCD (2) | 14% of Salary (upto 7.5 lakh)# |
| Category | Section | Investment Limit |
|---|---|---|
| Own Contribution | 80 CCD (1) | 20% of Gross Annual Income (upto 1.5 lakh) |
| Additional Contribution | 80 CCD (1B) | ₹50,000 |
#7.5 lakh limit includes: Employer’s contribution to Provident Fund + approved superannuation funds + NPS under new tax regime
| Fund Options | Risk Profiling | Exposure Limit |
|---|---|---|
| Government Securities | Low | Upto 100% |
| Corporate Bonds | Moderate | Upto 100% |
| Equities | High | Upto 75% |
| Alternate Investment | Very High | Upto 5% |
Under Active Choice, subscribers get the flexibility to decide allocation mix across 4 asset classes
| Charge Head | Charges |
|---|---|
| Account Opening | ₹ 200 |
| Contribution Processing | 0.50% subiect to min & 30 and max ₹ 25,000 |
| Non-Financial Transaction Processing | ₹ 30 |
| Persistency Charges | Transaction Value |
| ₹ 50 per annum | ₹ 1,000 - ₹ 2,999 |
| ₹ 75 per annum | ₹ 3,000 - ₹ 6,000 |
| ₹ 100 per annum | above ₹ 6,000 |
| Applicable for subscribers (except corporate NPS) active for more than 6months with a POP. | |
| AUM Slab (in Cr) | PFM charges % for the Slab |
|---|---|
| Upto ₹ 10,000 | 0.09% |
| ₹ 10,001 to ₹ 50,000 | 0.06% |
| ₹ 50,001 to ₹ 1,50,000 | 0.05% |
| ₹ 1,50,001 and Above | 0.03% |
| * UTI Retirement Solutions Ltd charges a fee of 0.07% under this slab. | |
| Charge Head | Kfintech | NSDL |
|---|---|---|
| PRAN Generation | ₹ 39.36 | ₹ 40.00 |
| Annual Maintenance | ₹ 57.63 | ₹ 69.00 |
| Financial Transaction processing | ₹ 3.36 | ₹ 3.75 |
| Intermediary | Charge Head | Charges (Annual) |
|---|---|---|
| Custodian | Custodian Fee | 0.0032% p.a |
| NPS Trust | Reimbursement of Expenses | 0.005% p.a |
We appreciate your patience. Your content is on the way.
