National Pension System

Building a Retirement That Honours Your Efforts

National Pension System

Retirement is not the conclusion of earning; it’s the moment your lifetime of discipline begins to work for you. It’s when the fruits of your labour, invested wisely over decades, transform into dignified security and freedom.

The National Pension System (NPS) is one of India’s most robust instruments to shape this chapter, whether you are a salaried executive optimizing deductions, an entrepreneur without employer pensions or an NRI anchoring part of your retirement in India, NPS provides a versatile platform.

At FinAsk Value, we simplify this entire landscape, from selecting among top-tier pension fund managers to guiding optimal equity exposure based on your horizon, recalibrating annually and planning your eventual annuity so post-retirement income feels seamless.

Tax Efficiency

Additional deduction of ₹50,000 under 80CCD(1B).

Low Cost

One of the lowest cost investment products globally.

Market Linked

Option to invest in equity for higher long-term returns.

Customized Asset Allocation

Align equity and debt exposure with your age and goals.

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Frequently Asked Questions

Any Indian citizen (resident or NRI) between 18 and 70 years of age can open an NPS account, subject to KYC compliance.

There are two types: Tier I – A primary retirement account with tax benefits and withdrawal restrictions and Tier II – A voluntary savings account with flexible withdrawals but limited tax benefits.

Your contributions are invested in a mix of Equity (E), Corporate Bonds (C), Government Securities (G) and Alternative Assets (A). You can choose either Active Choice (custom allocation) or Auto Choice (age-based allocation).

Tier I accounts are locked until retirement (age 60), with partial withdrawal allowed under specific conditions. Tier II accounts have no lock-in.

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