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While around 7 lakh companies offer EPF, only around 22,000 provide the corporate NPS option to their employees
NPS Vatsalya is a government-backed scheme that offers long-term growth and tax benefits for minors, but if your need is to fund future education costs, its strict lock-in periods and withdrawal limits can come in the way.
The minimum initial and annual contributions are Rs 250, with no maximum limit on contributions. Contributions can also be gifted by relatives and friends.
PFRDA may also tweak the NPS investment rules to allow wider asset diversification as bond yields are expected to fall, Sivasubramanian Ramann tells Moneycontrol in an interview
For long-term retirement planning in 2026, NPS still stands out for disciplined wealth building. If you are willing to take on more risk for higher growth, the system now gives you clearer ways to tilt your portfolio toward equities — as long as you understand the limits and how those allocations change over time.
NPS is not a complete lock-in, but the exit rules are stricter than most people expect unless your corpus is small or you are claiming after death.
The big NPS decision is not just how much you withdraw, but what kind of monthly income you are locking in for years.
PFRDA has named three new trustees to the NPS Trust Board through a formal selection procedure.
The plan is open to Indian citizens aged 18–70 years, with a minimum vesting period of 15 years.
A practical look at how the two biggest long-term savings tools behave over decades — and why the better option depends on how much stability or growth you want in your retirement plan.
The Haryana government had adopted the Unified Pension Scheme (UPS), notified by the Government of India under the National Pension System (NPS).
Together, these three tools can build long-term wealth, but the trick is knowing how much to put where at each stage of life.
A beginner-friendly guide to understanding the two National Pension System accounts so you can use NPS more effectively for long-term retirement planning.
Building wealth isn’t just about earning more—it’s about investing smartly through SIPs, EPF, and NPS to maximise long-term growth and financial security.
A quick guide to how the latest changes could affect your money. If you use NPS for long-term retirement goals, this is the moment to revisit your plan.
How the National Pension System has changed in 2025, what the new 100% equity and “multiple schemes” options mean, and how an average saver can use NPS for steady, long-term retirement wealth.
A practical guide to understanding which option fits your goals, risk and retirement timeline.
A predictable, low-cost and tax-efficient way to build long-term wealth.
From multiple nominations for bank deposits to revised SBI Card charges and fresh deadlines for pensioners, the new month brings a flurry of updates that every consumer should be aware of.
Clear equity bands for each decade so you don’t second-guess.
Now the names actually tell you the risk and equity mix—so choosing a plan feels human, not homework.
A simple guide to choosing between two of India’s most popular long-term savings plans
NPS to offer same tax benefits to new inflation-protected payouts; 100% equity option already available
The most striking update is the 100% equity option. Under the high-risk variant, pension funds can now allocate the full investment amount to equities for subscribers with a long-term horizon and higher risk appetite.
Extension comes after stakeholders sought more time in light of recent changes including switch option, retirement benefits, and tax exemptions
