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  • New pension scheme is better than the old one. Are state governments listening? Sep 22, 2022 02:27 PM IST

    New pension scheme is better than the old one. Are state governments listening?

    Government employees may prefer the old pension scheme because of assured payouts and family pension but question marks over its feasibility cannot be wished away, experts say

  • Explained: NPS’ new withdrawal timelines Sep 21, 2022 08:20 PM IST

    Explained: NPS’ new withdrawal timelines

  • Did you know that NPS schemes invest in midcaps too? Check out their favourites Aug 31, 2022 08:39 AM IST

    Did you know that NPS schemes invest in midcaps too? Check out their favourites

    Allocation to midcap stocks aside, tax benefits under Section 80C and Subsection 80CCD (1B) also make National Pension System attractive

  • National Pension Scheme withdrawal rules, partial exit & taxation Aug 10, 2022 03:17 PM IST

    National Pension Scheme withdrawal rules, partial exit & taxation

    Can you make partial withdrawals from National Pension Scheme (NPS) before retirement? When can you partially withdraw from an NPS Tier-1 account? Can you withdraw your entire corpus at retirement? Watch this video to get the answers

  • Retirement Saving Scheme: How to earn 50,000/month from National Pension Scheme (NPS) Aug 03, 2022 01:53 PM IST

    Retirement Saving Scheme: How to earn 50,000/month from National Pension Scheme (NPS)

    Retirement Saving Scheme NPS: If you want to get a monthly pension of Rs 50,000 from NPS, you need to back-calculate the corpus requirement based on the 40% annuity rule. If you only use the mandatory 40% NPS corpus for purchasing annuity, then at an annuity rate of 6%, you need a Rs 2.5 crore NPS corpus. Of this, 40% or Rs 1 core will be used for purchasing annuity. This annuity (at 6%) will generate Rs 6 lakh yearly or Rs 50,000 monthly pension. Remember, this is when only 40% corpus is used for annuity purchase. You then also get Rs 1.5 crore (remaining 60%) as lump sum tax-free withdrawal. The numbers will change for different annuity rates. Watch the video to know how to make 50,000/month from NPS

  • MC Explains | How much can you withdraw from NPS? Aug 03, 2022 09:19 AM IST

    MC Explains | How much can you withdraw from NPS?

     Is NPS a better alternative to EPF after tax on interest on contribution over Rs 2.5 lakh? Market-linked returns may seem attractive, but on the flipside, maximum lump-sum withdrawal of 60 percent of retirement corpus, with the rest being converted into annuities, is a limitation.

  • How to generate Rs 50,000 pension per month from NPS? Aug 01, 2022 08:08 AM IST

    How to generate Rs 50,000 pension per month from NPS?

    NPS is a long-term commitment and takes decades to deliver. But it is still an excellent instrument that rightly focuses on putting in place a pension income for the retirement years.

  • National Pension Scheme to let subscribers change asset allocation four times a year Jun 14, 2022 08:43 PM IST

    National Pension Scheme to let subscribers change asset allocation four times a year

    More options to change the asset allocation mean savvy subscribers can take advantage of market movements.

  • Worried about falling NPS returns? Here is what you can do Jun 01, 2022 08:28 AM IST

    Worried about falling NPS returns? Here is what you can do

    The NPS is meant for individuals looking to save for their retirement goals. Many of them start saving early in the NPS. Short-term volatility, however, cannot be avoided.

  • Explained | EPF versus NPS: Which is a better retirement option? May 24, 2022 01:21 PM IST

    Explained | EPF versus NPS: Which is a better retirement option?

    Are you planning your retirement kitty? There are two options available, NPS or EPF. But which one is a better option for you? Sumaira Abidi tells you the difference.

  • Explained: How NPS' active and auto allocation choices work May 20, 2022 07:41 AM IST

    Explained: How NPS' active and auto allocation choices work

    Active choice is better suited for savvier investors, while others can choose the passive mode – auto choice - of investing.

  • EPF or NPS: Which is better for retirement planning? May 17, 2022 08:09 AM IST

    EPF or NPS: Which is better for retirement planning?

    EPF is an employee benefit scheme (only salaried individuals get EPF benefits), whereas any individual in any profession or work structure can use NPS to save up for their retirement.

  • What is NPS’ active asset allocation choice? Mar 30, 2022 08:54 PM IST

    What is NPS’ active asset allocation choice?

  • A step-by-step guide to opening an NPS account online Mar 29, 2022 08:58 AM IST

    A step-by-step guide to opening an NPS account online

    If you have completely exhausted the limit under section 80c, NPS can help you maximise your tax benefits. It provides an additional deduction of ₹50,000 under section 80CCD (1B).

  • Budget 2022 puts long-term growth in focus Feb 03, 2022 01:25 PM IST

    Budget 2022 puts long-term growth in focus

    Budget 2022 included several beneficial measures and proposals for various economic sectors.

  • Budget 2022: State government employees to get NPS tax benefits at par with their central peers Feb 01, 2022 12:50 PM IST

    Budget 2022: State government employees to get NPS tax benefits at par with their central peers

    State governments’ tax-deductible contribution to their employees’ NPS has been raised from 10 percent to 14 percent

  • Economic Survey 2022 | NPS-for-all saw maximum growth in FY2021-22 Jan 31, 2022 03:24 PM IST

    Economic Survey 2022 | NPS-for-all saw maximum growth in FY2021-22

    Corporate sector model too sees a sharp rise of 42.13 percent in NPS contributions.

  • Worried about NPS’ long lock-in? Try NPS Tier-II Dec 27, 2021 10:44 AM IST

    Worried about NPS’ long lock-in? Try NPS Tier-II

    The catch is that a tier-II account can be opened only if you already have a tier-I account

  • Tax on EPF, more options in NPS: How your retirement kitty changed in 2021 Dec 24, 2021 10:27 AM IST

    Tax on EPF, more options in NPS: How your retirement kitty changed in 2021

    Budget 2021’s unkind tax cut for employees contributing over Rs 2.5 lakh to their provident fund prompted financial planners to recommend a switch to NPS

  • Budget 2021 EPF tax impact: Investors shifting surplus to NPS, albeit slowly Dec 08, 2021 10:55 AM IST

    Budget 2021 EPF tax impact: Investors shifting surplus to NPS, albeit slowly

    Tax experts are advising their clients to move the ‘excess’ EPF contribution to other retirement avenues such as the national pension system (NPS)

  • NPS generated good returns for subscribers, says PFRDA Chairman Dec 06, 2021 03:58 PM IST

    NPS generated good returns for subscribers, says PFRDA Chairman

    NPS gives a lot of flexibility, but the only thing is that a person has to start early, said the chairman of the Pension Fund Regulatory and Development Authority (PFRDA).

  • Sumit Mohindra of ICICI Prudential Pension Funds on why NPS returns are better than those on mutual funds Dec 03, 2021 10:29 AM IST

    Sumit Mohindra of ICICI Prudential Pension Funds on why NPS returns are better than those on mutual funds

    The long-term nature of NPS plays an extremely critical role in generating better returns

  • LIC, HDFC Pension Funds deliver the highest returns on g-sec schemes Nov 26, 2021 11:07 AM IST

    LIC, HDFC Pension Funds deliver the highest returns on g-sec schemes

    All pension fund managers beat mutual fund peers and benchmark over three years

  • Explained: How corporate NPS works and offers additional tax benefits Nov 22, 2021 10:12 AM IST

    Explained: How corporate NPS works and offers additional tax benefits

    NPS gives additional income-tax benefits if your employer offers it too. These deductions are available for old and new income-tax regimes

  • Job creation slows in August, shows government payroll data Oct 26, 2021 03:32 PM IST

    Job creation slows in August, shows government payroll data

    As per the data released on Monday, new enrolments to EPFO stood at 9.18 lakh in August, down from 9.53 lakh in July. New ESIC enrolments dropped to 13.22 lakh in August from 13.33 lakh in July. Under the National Pension System, fresh subscribers increased during August to 56,827 from 50,118 in July.

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