Everything You Want to Know About NPS | National Pension System | India's Retirement Pension Scheme

[@starboy9384]

Your command over English, the break down of NPS and to put down all points in simple layman's term is commendable, plus, not to forget the hard work on research and presentation is impeccable, ❤

[@shankarnath]

Thanks for that! The use of audio and visual allows me to access different senses in the viewer's body (ear, eyes, brain) .. glad to know it all comes together in these videos to help you learn and retain information

[@rohancoepmech]

There is no INSIGHTFUL AND better video on NPS THAN THIS... AMAZING Shankar continues to be the best and better than the rest. ALWAYS

[@shankarnath]

Thank you Rohan ji. Glad you found this video useful and informative.

[@avinabasahoo1989]

Completely agree with you. No other source is so simple, comprehensive and easy end-to-end process insights

[@dheerajkura5914]

I agree with compliments 👍

[@genericstospecifics1856]

I was looking at videos about nps just this morning, today is my lucky day

[@shankarnath]

Damn, if the markets were open today .. you could have made a killing :) .. ah well, enjoy the video!

[@drkeval]

That's called AI

[@rammani7170]

This video has given me better information than my own company finance team. Thanks a lot!!

[@shankarnath]

Glad to hear that. Most welcome 🙌

[@yjtalksfromheart]

Really nice video, I searched for multiple videos for NPS. Here is what stood out for me in this video - The video is running at such a steady pace that we can get involved yet not feel that the video is running. Reminds me of my days in graduation, there is always that one teacher who explains in a calm manner, thank you!

[@shankarnath]

Glad you liked the content and video, Yuvraj ji. Much appreciated 🙌

[@sriramsoundhrapandyan]

Minimum contribution in TIER 1 NPS account per year is INR 1000 Sir.. Your presentation was excellent and timely since i had joined ICICI PRU PFM as their Pension Advisor only recently and needed clear information to take the concept forward and to my Clients. I am a Mutual Funds Distributor Sir.. Thank You.🌷🌹

[@shankarnath]

Thank you very much for clarifying on the minimum contribution, there were multiple numbers floating around. Wishing you the best!

[@geetsgovind8925]

What will happen if i haven't made any contribution for several years in NPS, how can I make it active again ?

[@aganguly73]

Excellent Video, Mr. Shankar. Simple, straight forward and comprehensive. Thanks.

[@shankarnath]

Thank you very much 🙌

[@teammoneymatters]

Dear Sir, thank you for creating such insightful content. One correction - as of this year, we're allowed to select different managers for different schemes. I myself have selected LIC for "G", while HDFC for all others.

[@shankarnath]

Most welcome, glad you liked it. Yes, I got to know this now .. and I'll update all viewers later tonight on this (and other changes I missed out on) via a pinned comment. Thanks for letting me know.

[@debajanisarma1673]

​@@shankarnathSir what is the minimum rate of interest we can expect in NPS? I have PPF . So can I open a NPS ACCOUNT for my 3 year old child.I am 44.

[@shankarnath]

Hi - both questions were addressed in the video. Kindly have a watch pls. To recap: 1. NPS does not offer an interest rate but returns are market linked 2. NPS is for Indian citizens aged 18 years and above

[@meghanaabhyankar9151]

​@@shankarnathAllowed only by NSDL, not the other CRA's.

[@debajanisarma1673]

@@shankarnath thank you so much for the instant response.

[@balwantgusain7904]

This is the best of the best presentation on NPS. Your value addition is wonderful.🎉🎉❤❤😀😀

[@shankarnath]

Thank you very much!

[@dpacsaml]

The amount of research that must have gone into making this video! So informative. This should be behind a paywall. Can’t believe this is free.

[@Mysangeeet]

:| not heard about adsense?

[@shankarnath]

Hi, for my understanding on perspectives: @dpacsaml - how much should one charge for a video like this? @Mysangeeet - how much do you think Adsense pays the creator for a video like this (assuming every viewer saw 2 ads)?

[@dpacsaml]

@@shankarnath I’m not able to comment on how much to charge Sir, but pls do check out Anand Srinivasan. He gives investment advice on the stock market (in tamil) and has written books, does tours where people can come meet him and ask qns, gives out interviews etc. He also used to meet people 1-1 for a fee (but I think he’s stopped doing this now as he’s become too popular). Ultimately people will pay for quality content.

[@phanishtn1797]

Absolutely detailed view of NPS...Appreciate the research and thoughts put forward

[@shankarnath]

Most welcome

[@somshridhar]

Best explanation ever First time I understood clearly. Thanks

[@shankarnath]

Most welcome. Great to hear! I'm happy you found it useful

[@j2whoami]

One of the most lucid presenters out there - Thank you. 🙏

[@shankarnath]

Appreciate that 🙌

[@szsouvikzs]

Wow Shankar ji, such a detailed video. I can only imagine the amount of efforts you have put into it. Hats off to you sir.

[@shankarnath]

Thank you very much for your kind appreciation. Most videos take about 5 days of effort (2 days in research and scripting, 0.5 days in recording, 2 days in editing & 0.5 days in other activities like uploading, answering comments etc.)

[@adityasinha13]

Hi Shankar, great and informative videos as always. Just a point on the scheme managers. I believe now it is allowed to choose 3 different managers for Asset Class E, C and G. However, Asset Class A has to be a manager from one of the 3 chosen for other asset classes.

[@shankarnath]

Thank you. Yes, I was made aware of this now and a couple of viewers even shared screenshots. I had the feeling this was possible but couldn't find any literature to this effect - but now, its clarified.

[@ragupathi4129]

Searching details about NPS, Your video gives more clarity on NPS, Thank you.

[@shankarnath]

Most welcome. Glad it was helpful! 🙌

[@suryanarayanachennai9415]

Very clearly explained sir. I would share your video with youngesters. Keep it up.🎉

[@shankarnath]

Thank you very much! 🙌

[@anoopwriter]

Fantastic explainer Shankarji. Thanks a ton.

[@shankarnath]

You're most welcome 🙌

[@134278]

Excellent info Shankar, Thanks! I am your subscriber

[@shankarnath]

So nice of you and thanks!

[@srihariprasad4097]

Provided good exposure towards NPS. Good job sir. Thanks 👍🏻

[@shankarnath]

Thanks. Glad you found it useful 🙌

[@krishnakishoreramadugu3754]

Excellent video ..... Deserves more views

[@shankarnath]

Thank you!

[@smv5520]

Thank you so much. Really helpful and appreciate your efforts to put such clear content on NPS.

[@shankarnath]

So nice of you. Thank you!

[@Bhavi4659]

Very detailed video and regarding annuities, i had questions from last 3 years from now and they got cleared.

[@shankarnath]

Glad to hear that!

[@NaveenKumar-zm9xw]

Great video and explanation.. Simple and effective..

[@shankarnath]

Glad you liked it

[@veeramanir8578]

Complete and fantastic video of about NPS so far among watched by me 😅

[@shankarnath]

Thank you. Glad you liked it

[@sumankabi9081]

Concise and best NPS explanation from you

[@shankarnath]

Thank you!

[@SaiSS961]

What a perfect video! Thanks a ton for making such a comprehensive video on the topic. 🙏👏

[@shankarnath]

Most welcome. Glad you found it informative

[@syedismail2831]

Thanks Shankar. Really insightful and crisp.

[@shankarnath]

Most welcome. Glad you liked it!

[@gsanjib78]

Quality Content as always...it should a Million subscriber Channel

[@shankarnath]

Thank you for your kind appreciation, Sanjib ji

[@payalgedam7189]

Sir can we give monthly standing instructions from bank account to NPS and how ?

[@rrajeshmottwani7096]

Excellent presentation. Really appreciate your efforts. Thankyou

[@shankarnath]

You are most welcome 🙌

[@arunj48]

Very detailed.. finally i got some grip on this topic

[@shankarnath]

Glad you found it useful 🙌

[@paragvaishampayan9501]

Nicely researched designed useful content 🙏.Thank you very much

[@shankarnath]

You are most welcome. Glad you liked it

[@naveenkumarsharma2716]

Excellent and very informative presentation 👏👏👏 Thanks Mr Shankar 🙏🙏

[@shankarnath]

You're most welcome. Glad you liked it

[@atuldubey1999]

Thank you Sir, what a thorough and insightful video on NPS.

[@shankarnath]

Most welcome. Glad you found it useful and informative

[@jobanmathew3081]

Actually good u did on NPS , lots of negatives circulating about it

[@shankarnath]

Glad you found it useful!

[@cutandpastejokes4508]

Content is super informative and worthy watching each second that there is no need from your side to request not to skip video !! Many Congrats on creating such a Video with sincere effort !! Way to go

[@shankarnath]

Glad you liked it! Thanks for your kind appreciation

[@nikhilgupta626]

Really nice comprehensive explanation though little long but wholesome. Thank you !

[@shankarnath]

You're welcome! Please utilize the 1.5x (or faster) speed option on KZbin to save time

[@satyambansal2856]

Very insightful video. ❤

[@shankarnath]

Glad it was helpful!

[@martimenote]

Really appreciate your work on making informative content. Thank you sir.🥺

[@shankarnath]

Thank you very much for your kind appreciation

[@gaurav2009june]

Many thanks, it is a wonderful video.

[@shankarnath]

Thank you

[@sandipghiya3493]

You have done extremely good job by providing various opportunities in NPS which surely would provide idea to individual to select and design life

[@shankarnath]

Thank you for the kind words, Sandip ji

[@sapsecurity4556]

Excellent explanation

[@shankarnath]

Glad you liked it

[@Secularismsucks]

Beautifully put. Thanks

[@shankarnath]

You're very welcome

[@naveenkumarsharma2716]

Pension part should be tax free and managed by PFRDA or Central Government …… because no one can predict what will happen if private annuity manager company defaults or could not manage regular Pension Payouts.

[@Nitin-y2n]

@shankar Ji - the site now allows choosing different fund manager for each asset class - hope you can update the same in your otherwize excellent video

[@shankarnath]

Unfortunately, I can't update it within this video as no video platform allows modifications. I'll add it when I do a followup video on this.

[@RaghunathReddy-w7q]

Very Informative

[@shankarnath]

Thank you 🙌

[@praveenruhela8436]

Thanks for nice explanation , kindly note that minimum contribution is Rs 1000.00 in Tier 1 to avoid the freezing of the account , earlier this was Rs. 6000.00 .

[@shankarnath]

Most welcome. Can you share the article on this change from 6k to 1k? I'm unable to find one. Thanks!

[@debajanisarma1673]

​@@shankarnathshared your video. Can you please suggest the best investment for a 3 year old child. I am 44 and need to invest wisely for my child.

[@sudharsanmohandoss146]

@@shankarnath what will be the maximum contribution in Tier-1 per annum?

[@cutandpastejokes4508]

No upper limit

[@abhishekpurwar9932]

Please make a video with examples of SLW system and the transaction charges one has to bear alongwith tax benefits.

[@shankarnath]

Thanks for the suggestion

[@100Abhilash]

Thank you. This was helpful.

[@shankarnath]

Most welcome!

[@summitpictures6616]

Thanks for the detailed video!

[@shankarnath]

Most welcome

[@Spark878iu]

Very insightful video

[@shankarnath]

Glad it was helpful!

[@kirankumar-mz6or]

Thanks Sir , well explained 👏

[@shankarnath]

Most welcome! Glad you liked it

[@aaravdvlogger698]

nicely articulated

[@shankarnath]

Thank you!

[@kishorekumar-qg5iq]

Holistic View on NPS. ❤

[@shankarnath]

Glad you found it useful!

[@gouravbose8105]

Nice Explanation Shankar! However, as NPS is retirement, instruments, so can you also make content on Guranteed return income like jeevan umang etc

[@shankarnath]

Thank you Gourav ji for the suggestion. I'll add it to my content queue.

[@1sanpa]

Thank you, great video

[@shankarnath]

You are most welcome! 🙌

[@tejab8352]

Thank you, Very helpful

[@shankarnath]

You're welcome!

[@sauravkataruka1]

Good research but it is not correct that in active choice all asset classes has to be managed by since PFM. You can choose a different PFM for each asset class. I have done it myself and hence confident

[@shankarnath]

Yes, I thought so too but couldn't find any literature. A couple of viewers were kind enough to email me the screenshots and clarify the matter. I'll update it via a pinned comments by tomorrow

[@adldeeps24]

i think now we can choose different fund manager within same tier

[@shankarnath]

Yes, you can now.

[@kambleshridhar1]

Hi Shankar very informative, how beneficial is it to open account by individual (self) or by an agent , how much the charges affect to individual investor.

[@shankarnath]

Thank you! Different agents have a different charge structure. For example - ETMoney (NPS agent) used to charge 0.25% per txn, not sure what's the case presently.

[@bala542]

Good Information. thank you

[@shankarnath]

Glad it was helpful!

[@vishalgautam-ky2oo]

Dear Sir, I am your regularly watching your video . thanks a lot for such a wonderful video, in which you covered all information regarding NPS.I have watched so many videos on NPS, but till date this is the best and carrying all relevant and important information in it. thanks again sir. Sir one question , a central government employee can continue NPS after retirement with or without contribution. please clear this query.

[@shankarnath]

Thank you very much, glad you found it useful. There is a useful table which might help you resolve your quandary. May I request you to have a look at it. Link: npscra.nsdl.co.in/nps-exit/

[@itsak26]

Great comprehensive video..👍 A question - Many organisations mandates retirement age at 58 years whereas NPS retirement age is 60 years. This should be changed and Govt should look into it.

[@shankarnath]

Thank you for your appreciation

[@moshelerulkar7021]

Thank you for sharing comprehensive video on NPS. I want to ask, what happens if a subscriber leaves the country permanently before the age of 60 and gives up Indian citizenship?

[@shankarnath]

Most welcome. Pls refer to point 3 of npscra.nsdl.co.in/download/Nodal%20Office/NPS_FAQ's.pdf

[@rdtechie5244]

Very nice video! Sir!🎉

[@shankarnath]

Thank you!

[@raiamit1601]

12:30 Hi Shankar, this statement is incorrect. Now you can choose different fund managers within the same tier. For eg you can now choose Hdfc for Equity along with LIC for Corporate, UTI for Govt in the same Tier -1 scheme. I have done it myself. Pl correct the same.

[@shankarnath]

Yes, I thought so too but couldn't find any literature. A couple of viewers were kind enough to email me the screenshots and clarify the matter. I'll update it via a pinned comments by tomorrow

[@rajeshkulkarni9869]

Really good video sir, thank you

[@shankarnath]

You are very welcome, glad you liked it

[@rakada]

There is one NPS TTS which is only for central government employees. Active choice for govt employees is all in government securities.

[@anandranand1]

Neatly explained...

[@shankarnath]

Thanks

[@shaharukhpathan5331]

Very very informative vdo

[@shankarnath]

So nice of you. Thanks!

[@PRATIVAGROUP]

Nice job Ji 🙏🙏

[@shankarnath]

Thanks a lot

[@AmrinderSR]

@shankarnath The NPS scheme is now open to Non Resident Indians (NRIs) & Overseas Citizens of India (OCIs), but currently it is limited to Tier 1 account only.

[@sanjeevgupta7010]

Great presentation

[@shankarnath]

Thank you!

[@2024YearofLife]

Very Informative

[@shankarnath]

Glad you liked it

[@chaitanyaghuse4687]

What is a better approach to invest directly from NSDL portal or via discount broker in NPS?

[@frivolousfemme]

The maximum asset allocation for equity in active choice has been updated to 100% for Tier II and now subscribers can select upto 3 different PFM across different asset class

[@shankarnath]

Thx for letting me know

[@SUMANSANNIGRAHI-e2r]

Excellent video..

[@shankarnath]

Glad you liked it!

[@baskark2601]

Good sir 👍

[@shankarnath]

Thanks and welcome

[@anantkumar1015]

What is standard choice apart from auto and active??

[@mugdha_a111]

Thank you for this explanation but could you please clarify min contribution per year amount? at some places it is 1000 and some articles mention that no min amount is needed

[@shankarnath]

Hello, please refer to point 2 in this webpage: npscra.nsdl.co.in/all-faq-contribution.php

[@SaurabhSingh-in]

Hi Shankar Sir, great video. Thanks for it. However I would like to mention that we can now choose different pension fund managers for different asset class within same Tier. I am saying because in my Tier 1 account, I have HDFC as fund manager for my 75% class E holdings and LIC as fund manager for my 25% class G holdings. I hold 0% in Class C and Class A.

[@shankarnath]

Thank you Saurabh. Yes, I got to know now and a couple of viewers have sent me an email from where they received that communication and even a screenshot of their NPS portal where this is enabled. I also remember reading of this happening but couldn't find any article to this effect. Thx again for letting me know, I'll update it via a community post or pinned comment for the benefit of all.

[@Mysangeeet]

This is for Manual allocation only?

[@SaurabhSingh-in]

@@shankarnath Thanks Sir

[@SaurabhSingh-in]

@@Mysangeeet Yes. This is for Active choice.

[@hirajlotlikar9226]

Very informative,

[@shankarnath]

Glad it was helpful!

[@shivabyraplar]

Where to select with rop option in enps

[@liuxian558]

Govt must make NPS more attractive. In its present form, its just not good enough. I have seen college Professors, school principals & state govt employees getting pension equal to minimum wage post retirement. People would keep demanding return to old pension system if this continues.

[@ashwin9823]

Obviously old pension scheme remains a better option over nps

[@islandsunset]

I am amazed that people who joined service post NPS retired already. There is an option where you can opt for a sum when you retire and the rest is given in monthly installments. It is very possible that they took a bulk out when they retired or their contribution when they were in service was minimum. Assuming the NPS is inherently bad is wrong. There are factors that are out of the control of the government. Old pension system is good for the employees but very bad for the government. With NPS they tried to cut their expenditure on pensions but many governments rolling back to OPS is wrong too.

[@mitun123das]

Govt employees can not select active choice option...

[@sumankabi9081]

Great video..I have a query - I have choosen Tata from the tier list .little afraid becoz i didn't see any return% from the tata fund manager in this video.how do you see it ? Any suggestion pls share

[@adityakothari2350]

Thanx a ton as always for sharing yet another insightful video. However, I think one can fully exit NPS when the corpus accumulated is less than 5 lacs. The limits were increased as far as i know. Kindly chk at your end as well 🙏 😊

[@shankarnath]

Most welcome. Can you pls forward any literature on this? I used this table (npscra.nsdl.co.in/nps-exit/) which gave me the scenarios specific to 2.5 lakhs and also 5 lakhs.

[@pradhansouvik]

​@@shankarnathI think, in case of premature exit it's 2.5 lakh and in case of superannuation/ retirement it's 5 lakh.

[@shankarnath]

@@pradhansouvik I also think so .. which is why at 18:19, I mentioned 2.5 lakhs as the context was on premature-exit (before 60 years of age)

[@varunchopra4454]

Really good video. One query ,what is the cap in employer contribution under 80 CCD2 in terms of total ammount

[@gulshankumar-ft7yb]

10% for private employer and 14% for government

[@shankarnath]

Thank you. This is what the NSDL website says on it: www.npscra.nsdl.co.in/tax-benefits-under-nps.php#:~:text=Additional%20Tax%20Benefit%20is%20available,%2C%20up%2Dto%207.5%20Lakh.

[@rajukamal]

Very informative indeed. Thanks Shankar for this. Any idea what is the benchmark against which the funds are being compared?

[@shankarnath]

Most welcome. Benchmarks available in 09:24

[@rajukamal]

@@shankarnath Thank you. What is not clear is that whether class E funds will always follow Nifty 50 index or it is just a choice of all funds as of date. Can fund managers change course? I couldn't find any data about expense ratio as well. You clearly said taxation is not your forte, but there seems to be confusion on how tier 2 gains are taxed. What I read is that it will be at 20% with indexation after 3 years. But that is potentially high in comparison with Nifty 50 index funds in a brokerage account where it will be 10% LTCG.

[@shankarnath]

1. The PFRDA has some guidelines on the kind of stocks that a fund manager can invest into. I read about it somewhere a couple years back, maybe in some news article. Something in the lines of top 200 companies with F&O participation. I also read that PFRDA has relaxed some of it. So, the size and shape of Class E (or any other class) will continue evolving. 2. Expense ratio information can be found on the pension fund manager website

[@anujoybardhan]

Nice one Shankar ❤... I too used to think NPS stands for national pension scheme...I actually started my tier 1 account after seeing your video in ETmoney..so far returns are good..but then I need to see how it performs during downturns...have opted for active choice..E60:C20 G15 A5...you could have covered a little more on how to port from one to another pension fund.and also the charges that are involved ..and also on which/how to decide on annuity selection..looking forward to your video on whether to opt for more pension and less EPF...

[@shankarnath]

Thank you very much!

[@suvomitra767]

What does purchasing annuity means in early exit ?

[@ashvinipatil1281]

When we deposits certain amount do government charges any GST amount

[@venuda9220]

NPS showed how to do a SIP on its Tier 2. But it did not show how SEP could be stopped!! Any one knows how this can be done ?

[@family_first_guy]

Shankar Sir, please make a video on financial and retirement planning

[@shankarnath]

Thanks for the suggestion, I'll try

[@RAKESHSHARMA-xf9oy]

Hi, one point is not clear. Recently govt has allowed to choose different fund class for different heads but you mentioned it as not allowed. Pls clarify.

[@shankarnath]

Yes, I have received information from some viewers that this has been allowed although none of us could find information on this. But a couple of viewers sent me screenshots so that's settled then that different pension fund managers can be selected for different asset classes

[@expertgaming9447]

Namskar sir Government employes ko active choice mai agressive mode 75% equity nhi aa raha hai only show lc 50 and lc 25 please reply why not shot lc 75

[@shankarnath]

Hello, I don't know pls. Yeh question government hi answer kar sakte hai .. kripya RTI (right to information) ka prayog karein.

[@dicksontharakan1810]

what is the option I choose if I want it to be safe

[@archanakamat2635]

Excellent video

[@shankarnath]

Thank you very much!

[@SachinSharma-ro1me]

Please tell how much maximum equity allocation allowed in NPS tier 2 active choice for both govt employee and private sector employee currently...

[@mmddgp]

Excellent video on NPS. 02 qurried 1.The investment is monthly or yearly. I want to invest ₹50,000/- annually(once in a year) to get Tax exemption of ₹15000/-is it allowed? As FY is at end. 2 .Is such Tax exemption allowed in Tier-II?