Published on July 05, 2026 • Last updated July 05, 2026
The National Pension System (NPS) is a voluntary, defined-contribution retirement savings scheme designed to enable systematic savings during working life.
NPS aims to provide social security and monthly pension post-retirement. Contributions are invested in a mix of equity, corporate bonds, government securities, and alternative assets based on investor preference. Upon reaching age 60, up to 60% of the corpus can be withdrawn tax-free, while the remaining 40% must be used to purchase an annuity to receive a monthly pension.
Contributions are tax-deductible up to ₹1.5 Lakhs under Section 80C. An additional deduction of up to ₹50,000 is allowed under Section 80CCD(1B).
Tier I is a mandatory, non-withdrawable retirement account with tax benefits. Tier II is a voluntary savings account with flexible withdrawals but no tax benefits.
Yes. Investors can choose "Active Choice" (manually deciding split between Equity, Corporate Debt, and Govt Bonds, up to 75% equity) or "Auto Choice" (lifecycle fund that dynamically changes equity allocation based on age).
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