Secure Your Retirement with NPS Today
National Pension System — India's most trusted, low-cost retirement solution. Save tax up to ₹7.5 Lakhs* in New regime subject to conditions apply for the NPS employer’s contribution, build long-term wealth, and secure a steady monthly pension after 60.
National Pension System Explained
NPS was introduced by the Central Government to help the individuals have income in the form of pension to take care of their retirement needs.
The Pension Fund Regulatory and Development Authority (PFRDA) regulates and administers NPS under the PFRDA Act, 2013.
NPS is a market-linked defined contribution scheme that helps you save for your retirement. The scheme is simple, voluntary, portable and flexible. It is one of the most efficient ways of boosting your retirement income and saving tax. It allows you to plan for a financially secure retirement with systematic savings in a planned way.
Government Regulated
Overseen by PFRDA — India's pension regulator. Safe, transparent and accountable.
Triple Tax Advantage
Under the new tax regime, an employee can claim tax free employer contribution to Rs. 7.5 lakhs subject to conditions*
Market-Linked Growth
Invest in equity, government securities and corporate bonds for optimised returns.
Flexible Investment Options
Contribution must be to Tier I NPS to get the Tax benefits Employee must opt for New Tax Regime (115BAC)
Why Millions Choose NPS
NPS vs Other Retirement Options
When it comes to retirement planning, NPS stands apart with its unique combination of tax benefits, low cost and regulatory oversight.
Unmatched Tax Efficiency
Save tax up to ₹7.5 Lakhs* in New regime subject to conditions apply for the NPS employer’s contribution.
Higher Return Potential
Unlike PPF (fixed 7.1%) or FD(6–7%), NPS equity funds participate in stock market growth with 10–12% CAGR potential over long periods.
Dual Account Benefit
Tier I (retirement corpus, tax-benefit) + Tier II (voluntary savings, anytime withdrawal) give you both long-term discipline and liquidity.
Employer Co-Contribution
For salaried employees, employer NPS contribution (up to 10% of salary) and own contribution upto Rs 50000 in old regime and new regime employer NPS contribution is upto 14% of Basic + DA is fully tax-deductible as business expense — a genuine win-win.
NPS Tax Benefits
Three powerful tax deductions that make NPS the most tax-efficient retirement instrument in India.
Employee Contribution — Tier I
Your own contribution to NPS Tier I account is eligible for deduction under Section 80C of the Income Tax Act, 1961.
Up to ₹1,50,000Additional Self Contribution
Over and above the 80C limit, an exclusive additional deduction available only under NPS — not available under PPF or ELSS.
Additional ₹50,000Employer Contribution
Your employer's NPS contribution up to 14% of Basic + DA for all the employees is fully deductible upt Rs. 750000/- * subject to conditions apply
Tax Savings
Get Free Retirement Planning
NPS Calculator & Planner
NPS Retirement Planner
Plan your retirement, tax savings & monthly income. Get instant projections for your corpus, lump sum and monthly pension.
Total Corpus
₹80.40L
Lump Sum (60%)
₹48.24L
Monthly Pension
₹16.1K/mo
Welcome to NPS Registration
Open your NPS account in minutes. Select a Central Recordkeeping Agency (CRA) and start building your retirement corpus today.
FAQs
Frequently Asked Questions
The minimum contribution is ₹500 per transaction and ₹1,000 per financial year for Tier I account. There is no maximum limit on your NPS contributions, though tax benefits are capped.
The minimum contribution is ₹500 per transaction and ₹1,000 per financial year for Tier I account. There is no maximum limit on your NPS contributions, though tax benefits are capped.
The minimum contribution is ₹500 per transaction and ₹1,000 per financial year for Tier I account. There is no maximum limit on your NPS contributions, though tax benefits are capped.
The minimum contribution is ₹500 per transaction and ₹1,000 per financial year for Tier I account. There is no maximum limit on your NPS contributions, though tax benefits are capped.
The minimum contribution is ₹500 per transaction and ₹1,000 per financial year for Tier I account.
The minimum contribution is ₹500 per transaction and ₹1,000 per financial year for Tier I account. There is no maximum limit on your NPS contributions, though tax benefits are capped.