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National Pension System (NPS)

केंद्रीय योजना (अखिल भारतीय) वित्त आवेदन मोड: MIXED सक्रिय
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सत्यापित योजना डेटा प्रोफ़ाइल

यह प्रोफ़ाइल स्वतंत्र रूप से आधिकारिक राजपत्र अधिसूचनाओं और सत्यापित वेब डोमेन से संकलित की गई है। प्राधिकरण: Ministry of Finance • राज्य/क्षेत्र: Central Scheme (All India) • अंतिम बार ऑडिट किया गया: 29 Jul 2026

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A voluntary, defined‑contribution retirement savings scheme administered by the Pension Fund Regulatory and Development Authority (PFRDA) to facilitate systematic long‑term savings for old age.

विस्तृत सारांश

Regulatory Framework

The NPS is governed by the Pension Fund Regulatory and Development Authority (PFRDA) under the NPS Act, 2004. It operates as a Central Government scheme and is open to all Indian citizens, including non‑resident Indians.

Account Structure

Two tiers of accounts are available:

  • Tier‑I: Mandatory retirement account; withdrawals are permitted only on attaining the prescribed retirement age, subject to pension annuity rules.
  • Tier‑II: Voluntary savings account; funds can be withdrawn at any time, offering flexibility for liquidity needs.

Investment Options

Subscribers may choose between active choice (individual asset‑class allocation) and auto‑choice (life‑cycle fund) models. Returns are market‑linked and depend on the performance of the underlying asset classes.

प्रमुख लाभ और वित्तीय सहायता

तुलना मानदंड लाभ
प्रमुख लाभ
  • Tax deduction up to ₹1,50,000 under Section 80C (including employer contribution)
  • Additional deduction of ₹50,000 under Section 80CCD(1B) exclusive of 80C limit
  • Market‑linked returns with option of active or auto asset allocation
  • Portability across employment and geographic locations
  • Ability to withdraw partial corpus from Tier‑II for specific purposes such as education, housing, or medical emergencies

पात्रता मानदंड प्रोफ़ाइल

तुलना मानदंड पात्रता
Minimum Age Limit 18 Years or above
Maximum Age Limit 70 Years or below
Occupation Status वेतनभोगी, Self‑employed, गृहणी, छात्र, बेरोजगार, किसान, स्व-नियोजित
Domicile State All India (Central Scheme)

आवेदन प्रक्रिया मार्गदर्शिका

  1. Complete KYC verification (Aadhaar, PAN, and address proof).
  2. Choose Tier‑I, Tier‑II, or both and select the preferred investment option.
  3. Submit the application online via the eNPS portal or physically at any authorized Point of Presence (POP) bank/financial institution.
  4. Make the initial contribution (minimum ₹1,000 for Tier‑I, ₹250 for Tier‑II).
  5. Receive the Permanent Retirement Account Number (PRAN) and account statements.

इस योजना के बारे में अक्सर पूछे जाने वाले प्रश्न

Yes. An individual may hold one Tier‑I account and any number of Tier‑II accounts, each linked to the same PRAN.

The accumulated corpus, after deduction of applicable charges, is transferred to the nominee(s) as per the nomination details submitted at account opening.

No. Tier‑II allows unrestricted withdrawals, subject to the minimum balance requirement of ₹1,000.