All you need to know about NPS (National Pension Scheme)

The National Pension Scheme (NPS) is an Indian government-sponsored pension system for individuals. It was launched in 2004 by the Pension Fund Regulatory and Development Authority (PFRDA) to provide retirement benefits to Indian citizens.
The NPS offers two types of accounts: Tier 1 and Tier 2. Tier 1 accounts are mandatory and allow only withdrawals after the age of 60. Tier 2 accounts are voluntary and allow withdrawals of up to 25% of contributions anytime.
The NPS provides a variety of investment options, including equity, corporate bonds, government securities, and alternative investments. It also offers options for individuals to manage their own investment portfolios.
The NPS has become increasingly popular in India in recent years, especially among young professionals. It has been praised for its low costs, flexible investment options, and tax benefits.
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Use of this information is at the user's own risk. The Company and its directors, associates and employees will not be liable for any loss or liability incurred to the user due to investments made or decisions taken based on the information provided herein. The investment discussed or views expressed herein may not be suitable for all investors. The users should rely on their own research and analysis and should consult their investment advisors to determine the merit, risks and suitability of recommendation. Past performance is not a guarantee for future performance or future results. Information herein is believed to be reliable, although its accuracy and completeness cannot be guaranteed. The images used may be copyright of the company or third party. As a condition to using the services, the user agrees to the terms of use of the website and the services.
DISCLOSURES UNDER SEBI (RESEARCH ANALYST) REGULATIONS, 2014:
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[@deepakthorat5889]

खुप महत्वपर्ण माहिती सांगितली, धन्यवाद.

[@prabhakarshetty9988]

very descriptive, precise, full of information...good effort..Thank you yadnya...

[@samadhanptl84]

Good to see you Yogesh sir after a while

[@mansi7089]

Such a useful session...keep on yadna

[@mlnayak4589]

Very nice explanation sir, thank you. I have a question, kya government employees bhi apne hisse ke amount ke allocation ko change kar sakte hai, agar han toh kya iske liye employer ka permission neacessary hai.

[@bharatseth2475]

Nice explanation 👍👍

[@jayakaranilkumar5932]

Well explained

[@nagarajubandi3131]

Sir please discuss about taxation on investment in real estate investment trust ( reit). And how small investor can avoid tax

[@vivekgsp]

Very crisp information. How money allocated to annuity is handled? I would like to know about what happens to it in case of death of candidate let's say after 5 years.

[@lemedico]

Nps for the self employed isn't too good. But for the salaried, where the employer puts 14% contributions on top of your own contribution, that makes it gather a very high corpus

[@deepakkumar-ek2fp]

For govt employees equity exposure can only be up to 50%

[@SUNILKUMAR-vw4dl]

sir mere PRAN me D.O.B galat ho gya hii kaise sudhare state govt. employeee huu maii

[@bhaweshkurmi9814]

If I change pension fund like from LIC to HDFC in between then all my units gets sold and purchased again? I will loose compounding in that way?

[@ajaykumaryadav1952]

Can a person working as a Govt employee and is part of old pension scheme gpf also open NPS and take tax exemption in 80CCD(2) and 80 CCD(1B)?

[@Eaglesea]

Sir very good information. Thank you Please share your views on HUF

[@CAYOGESHKATARIYA]

Huf can not open nps in his own account

[@souveekpal7481]

After retirement annuity ka kya rate hota hai

[@chetanzarekar5240]

Is their any expenses ratio charges for managing this nps fund?

[@citilight999]

Very well explained .. I retired at the age of 65 .. did it inform.. now ‘am 68, next 3 years I want to make lump sum payments .. is it possible, when is the earliest I can start annuity

[@dakshinaranjanbanerjee3876]

Is GST chargable on NPS anuity plan purchase ?

[@himanshusharma-pk9qo]

Minimum contribution in nps per annum..,?

[@c.h.i.n.a.v.i.r.u.s]

Untill which age i have to compulsory invest in nps

[@deepakgavankar398]

If the accumulated corpus is less than 5 lacs, can the entire corpus be withdrawn. If yes, will it be taxable

[@Abhishekmittal601]

Super explantion..... Sir, if a person starts investment in nps at the age of 61, do he has to compulsorily invest Rs. 6,000 p.a. till the age of 70? Also, when will he be able to withdraw its 60% of the amount?

[@pankajbhandari9070]

Sir NPS subscribers can change investment choice 4 times a year not 2 time

[@nirendramohanbiswas3275]

How shall I change pop in NPS

[@sovanchakraborti2670]

Is NPS pension available for life time?

[@dilipshah511]

Are all nationalized bank open nps account

[@bhartendusingh5279]

Sir 80ccd 1 aur 80ccd 1b explain

[@mnsrinivas648]

Thanks for nice informative video. Can the amount invested in Tier II account be transferred to Tier I

[@CAYOGESHKATARIYA]

Yes

[@bhajraj_]

Sir I have 2 simple question. Suppose I contribute 50,000 per month for 3 months and accumulate 1.5lac(because I don’t have other source of tax exemption) 1. Will i get tax exemption for this financial year ? 2. Can I decrease my contribution to 5000/10000 starting from APRIL i.e next financial year? So that I don’t have to contribute 50k

[@ramanexplorer7671]

How to resolve this issue on the final payment page while doing new registration for NPS - "The response from the Payment Gateway for the payment attempt against this acknowledgement number is awaited. We request you to wait for the re-try of payment process for registration in NPS #" ?

[@vishvanathchoulkar6756]

Hi Sir One question here. If after retirement my 40 % annuity amount is 1000000 then how many pension amount I will receive?. And after my death 40 % amount will got to my spouse or not.

[@AjayGupta-xm4hr]

Since it is a pension fund, I didn't get an answer as to how much pension I'll get? If at time of retirement my total corpus is 1 Crore then I will get 60 lakhs a lumsum, and 40 lakh will go in annunity, but how would I know how much pension amount monthly I'll be getting?

[@cyberbully7718]

As the rate of return of annuities are paltry at best you won't be getting much pension.

[@MrPrakhar07]

If the pensioner expired after 2 or 3 month after the getting 2-3 month pension, then nominee will get pension Or whole amount?

[@cyberbully7718]

@@MrPrakhar07 it will depend on the plan wether you bought joint life annuity or return of purchse price after the death of the pensioner.

[@rajkumarc4906]

You missed mentioning important point that if the total accumulated corpus is 2lakh or less one can withdraw full amount and does not need to subscribe to any annuity plan. Please try to mention point to point details from next time.

[@suvendumaity2233]

Sir, In case of a Central government employee, Employees contribution is 10% of Basic+DA and Employers Contribution is 14% of Basic+DA. Is Employers Contribution totally exempt from Tax under section 80CCD(2)??? Or Aggregate amount under Section 80C,80CCC and 80CCD is exempt upto ₹1.5 Lakhs Only??

[@CAYOGESHKATARIYA]

Employer's contribution is fully exempt..

[@rajeevranjan-ev3it]

One question if somebody can help. Suppose I have invested 1lac40thousand in PPF , and 60 thousand in NPS . Can I claim 10thousand of NPS under 80C and other 50thousand of NPS under 8CCD(1B)

[@akshaynaik1719]

Premature withdrawal if amount is less than 2.5 lacs, what is tax implications?

[@CAYOGESHKATARIYA]

Tax exempt and no need of annuity

[@suvkaka]

Sir, my company is not supporting NPS can I invest 10% of the basic as an individual and get tax benefits ?

[@CAYOGESHKATARIYA]

U can buy it will fall under 1.5L limit only. No additional benifit if you have covered 80c

[@virendram10]

What if I want to retire before 60?? How much amount will I get and what will be the tax implications??

[@CAYOGESHKATARIYA]

Before 60 u can get premature nps which will be 20 % lumsum & 80% annuity

[@bhaweshkurmi9814]

Does it really make sense to invest in NPS if we are filling tax is new tax Regime?

[@cyberbully7718]

Not really far better tax saving investment options are present in the market some even offering a annuity at maturity, NPS is a failed investment scheme which is only running by the mandatory contribution of the Government employees without it, it would've been scrapped a long time because even at the best of its days the Private sector dosen't even looks at NPS as an investment option it see's it more like throwing money down the sewage.

[@swagat33]

Sir what happens to the Tier - 2 amount at the time of maturity ? How will be taxed ? Should we transfer funds from Tier -2 to Tier -1 for higher tax efficiency ? Also how to extend the term from 60 years to 70 years ?

[@CAYOGESHKATARIYA]

Tier 2 is taxable as regular mutual fund, nothing tax exempt.

[@AakashKasaundhan]

Is it safe to assume that the taxation will be done either like Equity MF (if equity is 65% or more) or like Debt MF (in the other scenarios)? There is no STT applied on NPS Tier 2 unlike the MFs - would this impact the taxation? Please elaborate how capital gains tax would be applied Tier 2 account in the following scenarios: 1. If composition is changed from 100% Govt. Bonds to 50% Equity and 50% Govt. Bonds without redeeming 2. If redemption is done after many years of the investment and the composition was changed multiple times during the holding period.

[@sreevikvik8568]

Respected Sir Thank you for your valuable vedio. My question is I am a nps subscriber joined at the age of 55. This year I am going to complete 60. My fund total is 460000. As per new rules I Can eligible to withdraw full with out annuity as total is less than 5 lakhs. Now money also require to meet my son study. May I will open new nps account after some time to invest for to achieve my retirement goal or not. Please clarify.

[@CAYOGESHKATARIYA]

You can even go for partial withdrawal of nps upto 25% of your contribution as education is one of the reason for partial withdrawal. As your total value is below, u can withdraw 100% no need of annuity

[@sreevikvik8568]

.Sir Please clarify that if someone closed nps account on 60 and withdrawn full money of total corpus as less than 5 lakhs. If he wish to open new account at 61, is it possible or not, that is my doubt not clarified. Please clarify.

[@rajkumarc4906]

u can withdraw full amount, no need to buy annuity.

[@premsaipatro]

After death will nominees get the same benefits or will only get the invested amount. Benefits I mean to say the pension and one time return. Can u plz reply to my query

[@CAYOGESHKATARIYA]

Nominee will get full if annuity is not yet started and that too tax free. But if annuity is started he will get pension and that will be taxable

[@pradiptakumarrautray4929]

I AM A RETIRED NPS EMPLOYEE..MY QUESTON IS...CAN I INVEST MY MONEY AGAIN INTO NPS THROUGH NET OR NOT ? Plz give me guaranted assurance regarding this matter

[@rajbeersinghhalwani4251]

How much money recieved by nominee after the death of applicant

[@ramyasri6093]

Sir. If any one opens NPS account at age of 63 years (both Tier 1 & Tier 2) & then what happens when the person reaches 70 years? Will they have to mandatorily withdraw?

[@rajkumarc4906]

If amount is 2lkh or less there is no requirement to buy annuity, he/she can withdraw full amount

[@citilight999]

@Investment.Yadnya 13:57

[@sumit7744]

Suppose NPS Contribution is 120000, Lic is 100000, (both exempted under sec 80c upto a limit of Rs. 1.5 lacs). Now can i carve out 50000 from nps already contributed (1.2 lacs)under 80ccd 1 B , thus making total deduction to 2 lacs. I.e 1.5 + 0.5= 2 lacs

[@bansalchander]

Yes

[@sumit7744]

@@bansalchander thanks

[@puspadharmoral6150]

May I withdraw total amount in one time after superannuation

[@CAYOGESHKATARIYA]

No, only 60% lumsum allowed rest 40% will go into annuity

[@sarthak241989]

A government employee can invest maximum 50% in equity. Not 75%. Where can we report this partiality

[@cyberbully7718]

Tbh it actually dosen't.

[@madhavsinghdevake120]

Babu log bina reswat liye samay pr kam nhi krenge Online self subscribe विड्रॉल अच्छा था। जो को बदल दिया क्या

[@shreyaraut7864]

NPS youtube channel comments section hidden, because they don't have answer...... Old pension is pension..... New pension isn't pension

[@nandkumaragri.supervisor4657]

NPS ke नाम पर बेवकूफ बनाया गया है

[@thor3932]

The Name of NPS should be changed to Rastrawadi Pension Scheme