14/11/2017 NPS: National Pension System, Benefits of NPS | Top National Pension Scheme

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Nov 13, 2017, 11.24 PM IST

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National Pension Scheme

National Pension Scheme (NPS), a government-sponsored pension scheme, was launched in January
2004 for government employees. It was opened to all sections in 2009. A subscriber can contribute
regularly in a pension account during her working life, withdraw a part of the corpus in a lumpsum
and use the remaining corpus to buy an annuity to secure a regular income after retirement.

Top Performing NPS Schemes

By Trailing Returns
Rs. 1,099 Rs. 899
Scheme Name NAV Trailing returns (in %) Return Risk
1 Year 3 Year 5 Year Rating Rating

Kotak Pension Fund - 25.47 23.48 9.82 14.52

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Scheme E - TIER I
Weekly round-up of the top news and
Kotak Pension Fund - 22.54 23.47 9.83 14.42 views from mutual fund industry.
Scheme E - TIER II WEEKLY

HDFC Pension Fund - 17.32 22.38 10.34 - enter your email id Sign Up
Scheme E - TIER II
Sample Newsletter

Reliance Capital Pension 21.94 22.26 9.11 14.23

Fund - Scheme E - TIER II
TOOLS
HDFC Pension Fund - 20.01 22.24 9.79 -
Scheme E - TIER I National Pension Scheme

* Schemes are sorted on 1 year return See More

Most Consistent NPS Schemes

Scheme Name NAV AUM Return Risk Consistency

(Rs. Cr) Rating Rating NATIONAL PENSION SCHEME
Calculate the amount of pension wealth
Kotak Pension Fund - Scheme 10.66 0.11 you will accumulate on retirement.
A - TIER I
FIND OUT NOW
HDFC Pension Fund - Scheme 10.00 0.05
A - TIER II

HDFC Pension Fund - Scheme

A - TIER I
10.85 0.54 Retirement Savings Calculator

Reliance Capital Pension Fund 20.48 3.98 Homeloan Renance Calculator

- Scheme C - TIER II

Reliance Capital Pension Fund 19.76 5.51

- Scheme G - TIER II

* Schemes are sorted on Consistency parameter See More

Category Average Returns

Category Name Weighted Avg Return (in %) Quartely Category Yearly Category
1M 3M 6M 1Y Discrete Returns Discrete Returns

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14/11/2017 NPS: National Pension System, Benefits of NPS | Top National Pension Scheme

Scheme E TIER II 3.71 6.10 10.78 21.01

Scheme E TIER I 3.62 6.08 10.73 20.88

NPS Lite Scheme - 0.63 0.94 5.66 7.83

Govt Pattern

Scheme - Central 0.58 0.93 5.53 7.69

Govt

Scheme - State 0.54 0.82 5.42 7.48

Govt

* Categories are sorted on 1 year weighted average return See More

FAQs on NPS
What is National Pension System (NPS)?

National Pension Scheme (NPS) is a government-sponsored pension scheme. It was launched in
January 2004 for government employees. However, in 2009, it was opened to all sections. The
scheme allows subscribers to contribute regularly in a pension account during their working life.
On retirement, subscribers can withdraw a part of the corpus in a lumpsum and use the
remaining corpus to buy an annuity to secure a regular income after retirement.

Who can join NPS?

Can a Non Resident Indian (NRI) join NPS?

How do I join NPS?

How can I nd POPs near me?

What are the documents needed for opening an NPS account?

All about NPS

How to move funds from EPF to NPS

2017-03-27T01:00:51Z
To make the transfer, a request must be made to the recognized employee
provident fund or superannuation fund to his NPS account.

Four steps to join the National Pension Scheme

2017-02-27T01:00:24Z
One need not be a government employee to join the NPS. Any Indian citizen
between 18 and 60 years can become its subscriber.

PFRDA bars third party payments in Tier II accounts

of NPS
2017-01-15T07:46:17.097Z
National Pension System (NPS) is structured into Tier-I (main pension account) and
Tier-II (voluntary savings account).

Looking at equity returns of NPS in isolation could be misleading. Here's

why
2017-04-11T04:47:28Z

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14/11/2017 NPS: National Pension System, Benefits of NPS | Top National Pension Scheme
The maximum allocation that can go into equities in NPS is capped at 50 per cent
of the investment. The balance has to be compulsorily invested in bonds.

NPS subscriber base to grow at 35% in FY18: PFRDA

2017-03-09T13:51:11Z
While the subscriber addition saw a growth of 35% in the current scal, the pension
fund grew by 40% and same growth is expected to continue in scal 2017-18 as
well.

Step-by-step guide to open an NPS account online

2017-05-01T01:00:01Z
To open an NPS account online, you need to have Adhaar or PAN. Adhaar should
have current address and mobile number, PAN should be linked to bank account.

PFRDA proposes up to 50% investment in equities

under NPS for government subscribers
2017-03-09T11:59:44Z
PFRDA manages about Rs 1.70 trillion of funds belonging to 1.5 crore subscribers
who come from government and non-government sectors.

How to register NPS grievances

2017-05-22T01:00:12Z
Grievance redressal status can be viewed on the online CGMS by entering the
token number issued at the time of registration of complaint.

How to open an NPS account offline

2017-02-15T04:36:36Z
If you want to invest in the National Pension System in the oine mode, there are
some things you need to watch out for.

Funds transferred from PF to NPS not taxable: PFRDA

2017-03-07T17:30:43Z
"The amount so transferred from recognised Provident Fund/Superannuation Fund
to NPS is not treated as income of the current year and hence not taxable," it said
while specifying procedure for eecting transfers.

Tax optimizer: How salaried Ahuja can cut tax outgo

by 75%
2017-11-13T01:00:30Z
Sudhir Kaushik of Taxspanner.com advises readers on how to restructure their
income, investments and expenses to optimise their tax.

Maintaining NPS return at over 10 per cent to be

examined: PFRDA chief Hemant Contractor
2017-11-09T13:47:33Z
According to Contractor, the subscriber base of the pension schemes run by the
PFRDA has been growing, mainly driven by growth in user base every day.

Tax optimizer: Salaried Ghosh should use NPS, home

loan to save more tax
2017-11-06T01:00:01Z
Ghosh can save nearly Rs 74,000 in tax if he avails of the NPS benet oered by his
company, invests in the pension scheme on his own and takes a home loan.

PFRDA increases age of joining NPS by 5 years

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14/11/2017 NPS: National Pension System, Benefits of NPS | Top National Pension Scheme
2017-11-01T12:03:41Z
With this increase of joining age, the subscribers who are willing to join NPS at the
later stage of life will be able to avail the benets of NPS, the government noted.

Why the NPS is not a good investment

2017-11-01T09:45:07Z

Should EPF interest rate be cut due to fall in bond

yields? Here are 3 expert views
2017-10-30T01:00:56Z
Last year, the EPFO had cut interest rate to 8.65%. Now rates have slipped further.
ET Wealth spoke to three experts for their views on whether the rate should be cut.

Why investing in NPS is like putting your money in jail

for life: View
2017-10-30T01:00:43Z
Even with tax saving of Rs 50,000, there are certain disadvantages of NPS that are
ignored by investors such as lock in, compulsory contribution, and so on.

PFRDA to train 5 lakh people via e-learning to

promote NPS
2017-10-29T07:06:08Z
In all, the Pension Fund Regulatory and Development Authority (PFRDA) aims to
impart training to as many as 497,185 ocers and stakeholders.

PFRDA increases incentives for POPs to promote

NPS
2017-10-27T11:48:25Z
Pension Fund Regulatory and Development Authority has taken several initiatives
in the past few years to increase pension coverage.

5 operational changes that make investing in NPS

easier
2017-10-26T05:25:55Z
The initiatives taken by PFRDA benet both existing and new subscribers of NPS.
Here is a look at ve major operational changes in the NPS.

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