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National Pension System

The National Pension System (NPS) is a defined-contribution voluntary pension scheme launched and promoted by the Government of India for all its citizens. Under this scheme, an individual regularly contributes an amount during pre-retirement years to draw a pension and secure post- retirement life.


NPS Categories

NPS for Government Employees

NPS for Government Employees

Exclusively for Central and State Government Employees

NPS for Corporate Employees

NPS for Corporate Employees

Corporates adopt NPS and encourages employees to become subscribers with the intent to secure their retirement

NPS for all citizens

NPS for all citizens

For all Indian citizens, NRIs, OCIs, other than Govt employees and employees enrolled under corporate category

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Retirement Planning by Investment in National Pension System

Retirement Planning by Investment in National Pension System

Planning for retirement is essential part of financial planning and must be done carefully. One can save and invest in the National Pension System (NPS) to secure his/her/their retirement finances and achieve peace of mind. And for those who already have other means of preparing their retirement finances, NPS can be an additional option to enhance their retirement finance.

Difference between NPS Tier-I and Tier-II Types of Account

Difference between NPS Tier-I and Tier-II Types of Account

There are two types of accounts in the National Pension System (NPS) - Tier-I and Tier-II. The former is the primary pension account, and the latter is the secondary or additional pension account for pure investment purpose. When an individual joins NPS, it is the Tier-I Account that is activated. A subscriber may add his/her/their Tier-II Account anytime but after opening of Tier-I Account. Though the functioning of the two accounts varies and subscribers can select different investment options, fund managers, and nominees, the Permanent Retirement Account Number (PRAN) for the two accounts is same since they are associated with the same subscriber.

Convergence of India’s Pension System

Convergence of India’s Pension System

India's pension system has converged in the last two decades, from a traditional, defined benefit structure to a more sustainable and inclusive model known as the National Pension System (NPS).

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Pension Projector