📘 National Pension System (NPS): Secure Tomorrow, Smart Today

The National Pension System is a government-backed retirement savings scheme that allows individuals to contribute regularly toward a pension fund during their working years, and withdraw a portion at retirement while receiving the rest as a stable income.

🧩 Key Features:

• Voluntary & Flexible: Open to all citizens aged 18–70; choose how much and how often to invest.

• Tiered Structure:

  • Tier I: Primary retirement account with withdrawal restrictions.

  • Tier II: Optional savings account offering more liquidity (not eligible for tax benefits).

• Diversified Investment: Contributions are allocated to equity, corporate debt, government securities, and alternative assets—managed by professional pension fund managers.

• Portable & Unified: Remains active across employment changes and locations.

💰 Tax Benefits:

• Up to ₹2 lakh annual deduction under Sections 80CCD(1) and 80CCD(1B) for Tier I contributions.

• Partial tax-exempt withdrawal upon maturity.

• Annuity purchased with 40% corpus is fully tax-free.

🔐 Retirement Advantage:

• At retirement (age 60), up to 60% of the corpus can be withdrawn lump sum.

• Remaining 40% is used to buy an annuity for monthly pension.

• Early exit or premature withdrawal options exist, but with certain conditions.

🌱 Why It Matters:

NPS combines the rigor of disciplined investing with the assurance of retirement stability. With transparent governance, low fund management charges, and customizable options, it's a practical choice for individuals seeking long-term financial wellness.

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