01
Everyday living
Rent, food, bills, and transport do not retire with you. They still show up every month.
Build the retirement life
you can look forward to.
Start investing through NPS and grow a retirement corpus that supports the life you want after your working years.
Well Planned Pension Freedom from Tension
Enjoy Your Financial Stability during Your Golden Years
The cost of waiting
Your paycheck will stop. The cost of living won't.
Every year you delay is a year of growth you never get back. Start now, while time can still do the heavy lifting.
02
Healthcare
Medicines, hospital visits, and care costs rise with age — and they will not wait.
03
Prices won't wait
What feels enough now will buy less later. Inflation keeps moving whether you start or not.
When should you start?
The earlier you start, the more time you have.
A longer investment horizon can give your retirement savings more time to compound. Start with an amount that fits your current life and increase it as your income grows.
Investment Horizon
Choose the age you start investing and see how many compounding years you get before retirement at 60.
Compounding years
35 years to grow — time is your edge.Even small contributions today can grow into serious wealth.
NPS, Simply Explained
Understanding NPS and its benefits
The National Pension System (NPS) is a government-regulated, defined-contribution retirement savings system designed to help you build a retirement corpus through long-term, market-linked investments.
Your NPS, All in One Place
All your NPS needs, in one place
NPS Central brings your essential NPS services together in one convenient, secure and easy-to-use digital experience—helping you manage your retirement investments with greater ease and confidence.
Simple & Convenient
Manage your NPS with ease
Access the services you need through one simple digital experience, without having to navigate multiple channels.
Easy Access
Your NPS, whenever you need it
Access your NPS account, investments and essential services digitally, wherever you are.
One Place for Your NPS
Everything you need, in one place
View and manage your NPS account, contributions, investments, transactions and other essential services from a single platform.
Secure & Trusted
Your information, protected
Built with security and privacy in mind, so you can access and manage your retirement investments with confidence.
Getting started
Starting NPS is simpler than you think.
A straightforward journey from opening your account to building your retirement habit.
See your numbers
Estimate what your NPS could pay you.
Three short steps to project your corpus, lump sum and monthly pension.
STEP 1 / 3
I was born on · 30 yrs, and plan to retire at 60.
I am a subscriber on this scheme
Who can plan with NPS?
NPS can be part of your retirement plan.
Salaried professionals
A retirement layer beyond EPF, built around your paycheque.
Use NPS to stack long-term, market-linked savings on top of what your employer already provides.
Help & Support
Frequently asked questions?
Clear answers to the questions that matter before you start investing with NPS.
The National Pension System is a long-term retirement savings system designed to help subscribers build a retirement corpus through market-linked investments.
Eligibility depends on the applicable NPS model and current PFRDA rules. The onboarding journey should clearly guide users to the option relevant to them.
Your contribution should be based on your retirement goal, time horizon and financial capacity. The calculator can help you explore different contribution levels.
Tier I is the primary retirement account under NPS. Tier II is an optional account with different withdrawal and tax treatment, subject to applicable rules.
Your contributions are invested through the NPS investment architecture according to the investment option and asset allocation you choose, subject to applicable rules.
Investment choices and their change frequency are governed by the applicable NPS rules and available options.