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Services

National Pension Scheme (NPS) — disciplined, low-cost retirement saving.

One of the lowest-cost retirement vehicles available in India, with a 60/40 lump-sum + annuity payout structure at 60.

What we will offer at launch

Tier I account opening

Open and activate your NPS Tier I account with the PRAN issued.

Tier II account (optional)

A more flexible savings layer with no lock-in, useful for non-retirement goals.

Asset allocation choice

Active choice (E/C/G/A) vs Auto choice (LC75 / LC50 / LC25) — guidance on what fits.

Pension fund manager selection

Compare the pension fund managers on performance and consistency.

Tax planning

Stack 80CCD(1B) ₹50K additional benefit on top of 80C, plus employer 80CCD(2) where applicable.

Annuity planning

At maturity, choose the annuity type and provider thoughtfully — this part is forever.

Who this is for

  • Salaried employees in higher tax brackets, especially with employer NPS contribution.
  • Self-employed individuals looking for a structured retirement product.
  • Younger investors comfortable with equity glide paths.
  • Anyone who wants 80CCD(1B) over and above 80C.

Why this matters

NPS is unusually low-cost and disciplined — early withdrawal is restricted by design, which is often the point. Combined with mutual fund SIPs, it forms a robust retirement spine.

Quick answers

Is NPS better than ELSS?
They solve different problems. ELSS gives flexibility after 3 years; NPS locks you in until 60. NPS gives the extra ₹50K 80CCD(1B) deduction. Many investors use both.
Can I lose money in NPS?
Yes — NPS invests in equity, corporate and government bonds. Returns are market-linked. The auto-choice glide path reduces equity exposure as you near 60.
What happens at 60?
You can withdraw up to 60% as a lump sum (tax-free). The remaining 40% must be used to purchase an annuity from an empanelled insurer, which pays a regular pension.

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