Start Your Monthly Pension at 60 — Open an NPS Account Today
Plan your retirement with National Pension System
The National Pension System (NPS) is India's most tax-efficient retirement savings scheme — government-backed, PFRDA-regulated, and built to give you lifelong financial independence.
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Diversified Portfolio of equity, debt & more
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Invest as you like- Aggressive, Moderate, Conservative or create, your own plan
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Earn tax-free returns at 60 with flexible withdrawal plans
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Get Monthly Income
What is National Pension System?
The National Pension System (NPS) is a voluntary, long-term retirement savings scheme launched by the Government of India in 2004 and regulated by the Pension Fund Regulatory and Development Authority (PFRDA). It is open to all Indian citizens between the ages of 18 and 70 years.
NPS allows you to build a substantial retirement corpus by making regular, disciplined contributions throughout your working life. Your money is invested across a diversified mix of equity, corporate bonds, government securities, and alternative assets — giving you the power of compounding combined with the safety of regulated oversight.
At the age of 60, you can withdraw up to 60% of your corpus tax-free and use the remaining 40% to purchase an annuity plan that pays you a regular monthly pension — for life.
Whether you are a salaried employee, a self-employed professional, or a business owner, NPS is one of the smartest ways to plan your retirement in India.
2004
Launched by Govt. of India, regulated by PFRDA
18 – 70 yrs
Any Indian citizen can open an NPS account — salaried, self-employed, or business owner
10–12%
Historical long-term returns from NPS equity funds
Top Benefits of Investing in NPS
NPS combines tax efficiency, market-linked growth, and guaranteed pension in one powerful instrument.
Save Tax Up to ₹2 Lakh / Year
Claim ₹1.5L under Section 80C plus an exclusive additional ₹50,000 under Section 80CCD(1B) — a deduction available only for NPS. Employer contributions add further savings under 80CCD(2).
Market-Linked Returns with Safety
Unlike PPF or FDs, NPS invests in equities for higher long-term growth. Equity funds have historically delivered 10–12% p.a., significantly outpacing inflation — all under PFRDA oversight.
Choose Your Investment Strategy
Pick Auto Choice (lifecycle-based automatic rebalancing) or Active Choice (you set the equity/bond/gilt split). Switch your Pension Fund Manager or asset allocation anytime.
Guaranteed Monthly Pension for Life
At age 60, use at least 40% of your corpus to purchase an annuity from an IRDAI-approved insurer. Choose pension-for-life, joint-life coverage, or return of purchase price options.
Ultra-Low Cost Investment
NPS charges as little as 0.09%–0.25% p.a. in fund management fees — among the lowest of any regulated investment product in India. Lower costs mean more wealth for you.
Fully Portable & Paperless
Your PRAN (Permanent Retirement Account Number) stays with you across employers, cities, and states. Manage contributions, switches, and withdrawals entirely online — no branch visits needed.
How NPS Works — Step by Step
From account opening to monthly pension — here's your complete NPS journey.
Open NPS Account
Register online with Super Finserv. Get your unique PRAN number in minutes. No paperwork.
Choose Fund Manager
Select from PFRDA-approved PFMs — HDFC, SBI, ICICI Prudential, Kotak, and more.
Set Asset Allocation
Decide your equity-debt split or opt for Auto Choice lifecycle rebalancing.
Make Contributions
Invest monthly, quarterly, or lump sum — as little as ₹500/month can build a crore+ corpus.
Track & Manage
Monitor your balance, switch funds, change allocation, or make top-ups anytime online.
Retire & Receive Pension
At 60, withdraw 60% tax-free. The remaining 40% becomes your lifelong monthly pension.
NPS Tier I vs Tier II — Know the Difference
NPS offers two types of accounts for different financial goals. Tier I is mandatory; Tier II is optional.
Pension Account
Your primary retirement vehicle. Lock-in till 60 with maximum tax benefits.
- Minimum ₹500/month or ₹1,000/year contribution
- Tax deduction up to ₹2L/year (80C + 80CCD1B)
- 60% corpus withdrawal tax-free at age 60
- Partial withdrawal (25%) allowed for emergencies
- Employer contribution also tax-deductible (80CCD2)
- Lock-in until age 60 for pension corpus
Savings Account
Flexible investment account. No lock-in, withdraw anytime — like a mutual fund.
- Minimum ₹250 contribution (no fixed frequency)
- Withdraw anytime — no restrictions or penalties
- Tax deduction for Central Government employees only
- Same investment options as Tier I (equity, bonds, gilts)
- No lock-in period — fully flexible
- Requires active Tier I account to open
NPS vs PPF vs EPF — Which Is Better?
See how NPS stacks up against other popular retirement savings options in India.
| Feature | NPS ★ Best Choice | PPF | EPF |
|---|---|---|---|
| Who Can Invest | All citizens, 18–70 yrs widest | All Indian citizens | Salaried employees only |
| Expected Returns | 10–12% p.a. (market-linked) higher | ~7.1% (fixed) | ~8.25% (fixed) |
| Tax on Maturity | 60% tax-free; 40% in annuity | Fully tax-free | Fully tax-free |
| Extra ₹50K Deduction | ✔ Yes (80CCD1B) unique | ✘ No | ✘ No |
| Equity Exposure | ✔ Up to 75% | ✘ No | ◑ Partial via EPFO |
| Lock-in Period | Till age 60 (partial exits allowed) | 15 years | Till retirement |
| Monthly Pension | ✔ Yes (via annuity) | ✘ Lump sum only | ✘ Lump sum only |
| Flexibility | High — switch funds, change allocation | Moderate | Low |
Why Open Your NPS Account with Super Finserv?
We don't just open your account — we help you maximize every rupee of your
retirement savings.
Expert Financial Guidance
Our team help you choose the right Pension Fund Manager, asset allocation, and contribution strategy tailored to your unique retirement goals.
Paperless Onboarding
Open your NPS account entirely online. No paperwork, no branch visit, no hassle. Your PRAN is generated instantly.
Ongoing Portfolio Reviews
From contribution reminders to annual portfolio reviews, we are with you every step of your 30-year retirement journey.
Holistic Retirement Planning
We combine NPS with mutual funds, insurance, and other instruments to build a comprehensive, tax-optimized retirement plan.
Fully Regulated & Trusted
AMFI-registered MF Distributor, IRDAI-registered Corporate Agent. Serving clients across Jaipur and pan-India since 2017.
Dedicated Support Team
Get answers fast. Reach our support team via call, email, or WhatsApp — we're here whenever you need us.