// 04 — National Pension System

Retirement, with a tax deduction the rest of your portfolio can't match.

NPS gives you an extra ₹50,000 deduction under Section 80CCD(1B) — on top of 80C. Combined with low fund management fees and disciplined long-tenure investing, it's a quietly powerful retirement tool.

What we help with

Opening Tier I and (if useful) Tier II accounts
Choosing your asset allocation: Equity (E), Corporate Debt (C), Government Securities (G), Alternates (A)
Auto Choice (LC75 / LC50 / LC25) vs Active Choice
Selecting the right Pension Fund Manager (PFM)
Annual rebalancing and PFM switches
Maturity, withdrawal and annuity strategy at age 60

Tax benefits (old regime)

Section 80CCD(1) — up to 10% of salary (within ₹1.5L of 80C limit)
Section 80CCD(1B) — additional ₹50,000 exclusive to NPS
Section 80CCD(2) — employer's contribution, no ceiling under old regime (limit applies under new regime)

Who NPS is best for

Salaried professionals wanting the extra ₹50,000 deduction
Self-employed individuals with no other pension product
Investors comfortable locking funds till 60 (with limited partial withdrawal)

NPS isn't exciting. That's exactly why it works.