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National Pension Scheme
Your pathway to Tax-Efficient Retirement Planning!
Save taxes upto ₹62,400/-* per year
Lowest cost investment plan
Better returns compared to
other retirement products
Regular income after retirement
NPS Overview
The National Pension Scheme (NPS) is a Government of India initiative designed to provide a cost-effective & tax-efficient retirement benefit for all Indian citizens. NPS aims to cultivate a savings habit specifically for retirement among individuals. Under NPS, individual savings are pooled into a pension fund and managed by professional fund managers. Individuals can choose to invest a portion of their savings under NPS to ensure a financially secure retirement and a regular income when they turn 60. Upon retirement, a minimum of 40% of the contribution is used to secure a lifetime pension, with the remainder paid out as a lump sum.
Save ₹19.60L in Capital Gains Tax
Exemption of 4.50L in Taxes
Save ₹45.68L in Expenses
₹47.01K/month as pension
₹1.30Cr as lumpsum on maturity
If you invest ₹5k monthly, at retirement age(assuming 60) you’ll get:
Save upto 4.5L in taxes with just ₹5k monthly investment
Why choose NPS for investments?
Avail an additional deduction of up to Rs. 50,000 under Section 80 CCD(1B) over and above the Rs. 1.5 Lakh deduction under Section 80C. Investments up to Rs. 1.5 Lakhs are eligible under Section 80C
Annual Tax Benefit up to ₹62,400/-*
With PKT Securities, you can create an NPS account with the fastest online account opening experience & start investing within minutes.
Quick - Paperless Account Setup
NPS involves an annual fee of less than 0.02% of the investment value compared to 0.5% in Index Fund, 1% in Direct Fund & 2% in Regular Fund.
Lowest Cost Investment Plan
Regular Pension post Retirement
Under NPS, up to 60% of the corpus can be withdrawn at retirement, while the rest is converted into an annuity for regular pension income.
Your funds are managed by professionals across diversified portfolios, and you can flexibly contribute or adjust the amount anytime during the year.
Low Risk & Secure Investment Plan
NPS investments are exempt from Capital Gains Taxes. This means, you will save in capital gains taxes on your NPS investments at the age of your retirement compared to Equity Mutual Fund investments(LTCG 10%)
Save Taxes on Withdrawal
Track NPS
Payments Online
Track NPS Payments, Check Balance - Free
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