NPS (National Pension Scheme) 2025 - Selection Guide in Hindi

[@GauravSharma-upcop]

Thank u choosing NPS topic ek request h NPS aur UPS ki comparison video banaya

[@shailendrarajpoot8768]

Please make a video on nps v/s ups and there pro. N con. For awerness

[@mitanshukr]

the only problem with NPS is government. Who knows what new idea they may come up with in future and modify the scheme for their benefits!?

[@vk6207]

For example. UPS

[@GodsCreator21]

It’s with every investment. Gov can do anything 😅

[@deepeshgupta3139]

Example SGB

[@Myknowledgereview]

Exactly

[@biswajitkalita7816]

Correct

[@anjumbora6165]

NPS information videos should be frequent as it is the largest retirement scheme. Information regarding the same will be very beneficial to the viewers.

[@DecolonialityBharat]

Pranjal Kamra never disappoint us only I trust in finance category 1) Pranjal Kamra 2) LLA ( Mandeep )

[@rahulghawate4749]

Same here

[@harshalj2010]

Same

[@abhishekdasdsp]

Please don't put Pranjal and LLA on similar pedestal. LLA didnot collaborate with Vauld and betray their own faithful viewers.

[@pranjalkamra]

@abhishekdasdsp buddy, i never collaborated with vauld. There is some confusion, i am never comfortable with crypto

[@abhishekdasdsp]

@@pranjalkamra haha nice joke 👍 today you proved that you can even lie just to cover your back 👏

[@manishsakhuja8593]

Here you must congratulate me that after following you more than 5 years my every decision matches with you.... Once again I had the same choice.... Thanks for teaching us without any vested intrest.

[@AmitKumar-uj7mv]

Me too with HDFC

[@abhishekdasdsp]

Then you must have also invested in Vauld as what Pranjal had preached many time ago?!

[@59_me_samarjitasaha26]

I have already invested in NPS this month. Before watching this video😅. And I am glad that this video is very much positive 😅. I am 22year old. I have invested in both NPS Tier-1 and Tier-2 with a small amount of 500 but I believe in long term. I know that I am the change maker of my family, and the generational curse breaker of my family. See guys, investors, traders or established people will always tell you to invest 10k or 1L , they literally go with the ideal theory. But I must say that invest as per your capacity. Today you'll invest in one with a small amount that's okay. But if you go with the big minds then you'll never start. Don't compare your step 1 to someone's step 10. Start with small amount in one catagory then by the course of your time you'll be able to invest in multiple sources. But start with a stable one with a small amount as per your capacity. Don't try to be perfectionist at the beginning.

[@rahulaminhoque5435]

Great thought... I like it... Btw whts your job and salary

[@PTeja007]

That is not the problem with NPS. The biggest problem with NPS is you cannot have option to withdraw 100% of your money EVEN AFTER YOU REACH 60 years. This is the main reason why NPS is ignored.

[@AmitKumar-uj7mv]

This is why it us called Pension fund not investment fund.

[@nikhilbansal1533]

It’s a pension fund It generates pension from the remaining 40% If you need 100% simply invest in any mutual fund or nps tier 2

[@abhinavkotecha348]

Ab bolo sasura kuch jawab hai tuamare pass😂

[@AdarshMishra-yg5wl]

Sir, please discuss the major demerit of NPS which is the compulsory annuity plans to be opted which has returns less than the FDs. In future the return on annuity will be even lesser. So NPS with compulsion of 40% in annuity is better than mutual funds??

[@shejwalkarhemant3110]

It's better than FD considering 60% corpus is tax free on maturity. FD has risk of reinvestment meaning after maturity of FD [max 10 years] you have no choice but to accept prevailing rates

[@maksadnahibhoolna-wc2ef]

​@@shejwalkarhemant3110can you elaborate ?

[@gouthamp6590]

NPS Tier 1 makes a very solid retirement product as you have already mentioned. But what does Finology think about making our Large Cap SIP into NPS Tier 2 keeping it in active mode with 75% allocated to equity till the maximum age we can keep 75%. Now as and when we want to pull out money, we can pull out money from NPS Tier 2 and pay the normal capital gains tax but the real benefit being the following two reasons, first NPS Tier 2 is cheaper than Large Cap funds and second whatever money we dont use, we can push it to NPS Tier 1 before we hit 60 years age, and 60% of the entire corpus in NPS Tier 1 is tax free. That way we can pay less tax on our Large Cap SIPs which is already cheaper than normal Mutual Fund Large Caps. I hope that you answer this question in the QnA session of the NPS Guide as you had QnA sessions for the rest of the mutual fund videos.

[@chaitanyaghuse4687]

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

[@rajveersingh2056]

radial gradient bg me laga leta hoon... Bhagwan lagoonga... God level content bro...

[@Sagar43212]

Dear sir 🙏. Sir Nps vs UPS pe bhi ek video jaroor banayiye. Sir plz provide top 5 pension funds namefor us.plz sir🙏 🙏

[@ayushprasad8207]

Ups sirf tb lena jb aapke area me light baar baar jati ho, otherwise its useless😊

[@vinodbhange559]

Pranjal is very honest am following him so long given honest review on financial

[@anweshsingh9164]

If NPS is so good then politicians still have OPS ??

[@diptidhar3338]

😂😂😂😂

[@riteshkumar043]

Pranjal bhai .. ending koi nai btata. If, I will die after taking 5 or 10 yrs of annuity pension then what will happen of my left money? If my wife will receive, then what will happen if she will also die after few years?

[@Booster_Shorts]

shi baat

[@MsRahulllk]

She will get leftover money in lumpsum way...thereafter if she dies then that money should go to her nominee if she nominates anyone... simple

[@NoviceDataAnalyst]

Do there are type of nps pension you select A if you select annuity you will get 8.5 percent intrest and after you die no principal is returned B another is you get 7.5 percent on annuity but after you die principal goes to your wife C another is you get 7.5 percent on annuity but after you die YOUR wife will get 7.5 percent annuity and after she dies principal goes to your surviving chilldren

[@dm5665]

Nominee will receive the money even the annuity part. Wife then kid

[@soumsgaming238]

Gov ko milega😂😂😂

[@BiswajitRoy-vj2jz]

Thanks you for your valuable input. Please share more on this. I am now 53 years. Please guide.

[@avineetp]

Pranjal, I have one very basic question on NPS. Help me understand the below thing: Let's say I invest all my savings in NPS Tier 2 account. Once I have sizable investment and I know that I do not need that much liquidity till my retirement, then I move my money to Tier 1 account. Withdraw 60% of corpus from NPS tax free and 40% for annuity. Is this not a hack to save any LTCG tax or am I missing something? Question: 1. Is there any limit in investment on Tier 2 2. Is there any limit in transfer from Tier 1 to Tier 2. If above question answers NO, then it will be helpful to create 1 video on this topic. I searched Internet and Google, but could not find any answer.

[@SasukeUchiha-do1vx]

Thank you for choosing the best topics

[@krunalchandarana4669]

Thank You I am exactly into this at this time

[@Myknowledgereview]

Information nicely shared.Thank u

[@ankitsachan9892]

Plz describe Nps and make a video on difference b/w auto, standard and active choice in nps

[@sumandas9044]

I am a big fan of your work I am with you from 94 k subscribers... Please make a video on How to open account on nps?

[@vishalchoudhary970]

Sir, can you also guide us what are the charges for the change of pension fund manager and any exit load for change of PFM

[@arunji2837]

Sir ek video nps for govt employee k liye bhi bana dijiye..........kyonki govt ka to fix rule h 34% in lic , 33% in SBI and 33% in uti..............❤❤

[@sanketandure5483]

Sir in which department you are working. 70% of organisations are allowed to choose the fund Manager and Asset Allocation

[@arunji2837]

@sanketandure5483 state govt teacher

[@sayan9936]

You can change your fund manager I think.. central govt employee can change​@@arunji2837

[@shaileshchoudhari5427]

मैं Govt employee हु 2.6 Years. से NPS में इन्वेस्ट चालू है और ऑल टाइम हॉय मार्केट में बस 10.2 % का XIRR/ROI मिल रहा है

[@vedantgamer2259]

Just perfect... thankyou sir ji.

[@gunveerarora3484]

Hello Sir, I have few queries. Suppose I have amount x, which is equal to a+b+c+d =x, where a = large & mid cap b = elss c = flexi cap d = gold etf My query is how the compounding will work if I divide the amount in all four schemes. I will get better compounding if I invest in a single scheme or dividing the amount will not effect the compounding? Secondly: the NAV of mutual funds rises if multiple investors invest in a single mutual fund or it also depends upon market rise and fall. Mean to say, suppose market is performing well but all of sudden there is some bad news in the MF and everyone starts withdraw, will the NAV remains same according to market or will it depend upon people action? I will be really thankful if you answer my queries. I think this will be a common question for most people Best Regards 😊

[@adityatambi1470]

NAV of a Mutual Fund depends upon the underlying stocks/market. It is not affected if lot of investors buy or sell the MF at the same time.

[@gunveerarora3484]

@adityatambi1470 Thanks for the information

[@Booster_Shorts]

please also make a comparison video between NPS and UPS(unified pension scheme ).

[@Avinash_105]

Worked with a nationalised bank for 6 years as an officer, 10-12 lakh balance phans gaya hai NPS hai, ab 30 saal rukna padega 😂😢

[@meetme59]

At the time of retirement it would be close to 1 crore.

[@4usum]

More than 1 Cr...

[@biswajitkalita7816]

1 Cr will be nothing after 30 years

[@meetme59]

@biswajitkalita7816 that is lower end of returns at 7.8% at 12% it will cross 2 crore which would be equal to 45lakh of today's money taking 6% inflation which is not at all bad.

[@rohanmondal9970]

The main problem is check whether you are in scheme corporate cg In that case your corpus is not getting equity exposure

[@mksidhu27]

Can you please discuss annuity part in detail. It doesnt seem like a good option as i wont be getting any return on that 40 percent corpus to even beat inflation. Seems like 40 percent of my money is gonna depreciate post retirement. Arent i better off doing SIP in an index fund with same amount of money. Its seems like NPS is good for majority as majority dont stay invested in mutual fund for more than 3 years, but for financially literate people, is NPS really worth it?

[@sayanchattaraj3473]

Sir NPS vs UPS video please to give proper clarity which one govt employees should opt for.

[@angrezsingh3334]

Bahut hi acha video hai sir,lekin jaise k apne bataya NPS based on equity market, agar kabhi kisi tarah ki corona jaisa halat ho gye ya koi war hoti hai toh market to collepse hogi aur defence personnel agar war time me death ho gya toh us samay kya hoga , ek toh family apna member kho degi aur uper se jo uski investment market mein hai woh us samay loss mein jayegi then what sir , isko thoda elaborate karke bataye

[@VikramSingh-pp2rm]

You're requested please make a detailed comparative video on NPS V/S UPS.

[@YouTubebaby8553]

NPS is as good as index fund if someone is choosing active choice option.....even you get a 60% tax free return....but the pathetic thing is 40 % of corpus to be mandatorily invested in buying annuity...which will give hardly 4_5% as a monthly pension...And more shocking part is you have to alive atleast minimum 16.5 years after 60 years , to get the full 40% corpus with this rate ....😊😢😢...so invest wisely and invest small portion of money at regular intervals in such a way that total fetched amount shouldn't cross 5 L. Then you can withdraw full corpus ....

[@krunal9756]

Sir, now we have choice to choose fund manager in each catagory. For example for equity, I can choose HDFC, for govt bonds I can choose LIC, for Corporate bonds I can choose ICICI and for real estate I can choose TATA. Please look into this and advice for each catagory wch manager we can choose?

[@amritthapa8292]

One video on Best Arbitrage Funds Please!

[@naman881]

I am also a nps subscriber but jyada khush nahi hu giving 9.3 percent 😂 2018 june se jama honraha hai almost 20 k per month

[@AmitKumar-uj7mv]

Choose active choice, and equity 75%, with fund manager like HDFC or ICICI, 12% se jyada return milega

[@ankitshukla2341]

Thank you so much Brother.

[@rajatsharma1443]

Please make a video on NPS and UPS comparison

[@SaiKrishna-pg8zx]

sir, Stable money me FD karna safe hai ya ni el video banaiye please

[@PramodSharma-ki9wh]

Incomplete video, discuss the current top three annuity plans and their rate of returns. Are they beating FD?

[@devdutta8405]

Annuity plan will never beat FD. They are different instruments for different purpose. Annuity guarantees a fixed rate of return for life. FD rate will change after some time. I am not saying Annuity is better, they are just different.

[@ajaymohanta3309]

Vote for NPS vs UPS Comparison

[@microtech2448]

How do you justify 6-7% pension which is further taxed as per salary bracket?

[@devdutta8405]

He won't have an answer for this 😀

[@rohan-rathod]

Please make a video on how to build a emergency fund in 2025.

[@amitchawla5124]

Its very simple

[@nishantshah2287]

Hey what do you think about SBI pension fund in NPS. Is it on second number? After HDFC pension fund.

[@amlanmandal9798]

Konsa HDFC retirement plan lena chahiye ? Please guide me.

[@amlanmandal9798]

Kahase kharidna thik hoga ?

[@amlanmandal9798]

Sir please reply

[@RajeshKumar-vl5je]

Sir Jo government sector ke logo ka paisa nps tier 1 ma jata hai like SBI uti and lic iske alawa aur kaun sa option hai kisi aur fund house ko choose karne ka jisse equity me thoda jada exposure ho aur decent return ban sake for tier 1

[@SatyagniMajumder]

U can choose LC 25 or LC50 Scheme where 25 or 50% money will be invested in equity market ... It's proportion will reduce with age and shift to govt security...but for the early career it will give a good exposure as well as early growth momentum for long run... U can change ur scheme twice in a year and the fund manager once in a year

[@pranaykumar9433]

A video for Reits also? Please .....

[@thatdynamichustler]

Could you please make a video on Best REIT in india.

[@Abhijit9703]

Please make a video on "Best Savings Account"

[@ANKITSINGH-re9bn]

NPS vs UPS video please

[@kites007]

My Mutual Fund Portfolio(Age - 35 years): Large CAP - 20% Multi CAP - 40% MultiAsset - 40% >> Could you please suggest on it if this is good or any modification will be better?

[@ArjyakComp]

Sir, Please make a detailed video on NPS vs UPS diye different age criterias

[@adityadixit5690]

Excellent 👍

[@devbisht4230]

Great video..sir..can we change our fund manager oneself with in NPS... kindly make video how we change

[@phacocataractdrlvkraju5]

Yes we can through "scheme change", (left side top, drop down in App)

[@AmitTyagi-fx3bj]

Please sir compare NPS and UPS detail video😊😊😊😊

[@rishabhsabhlok4318]

Which is good investment? ELSS fund or NPS ?

[@smeershahji]

Hello sir Looking ❤Cool 🎉🎉🎉

[@jsr2704]

I'm a senior citizens aged 64 years ..can I open the NPS account in my name & is it worth.I want to open the account for tax saving purpose.When I can withdraw ,start getting pensions

[@bhavinkapasia2840]

Pm Yogi Maan dhan yojana vs hdfc nps ...we want comparison in both

[@nileshsaxena1714]

Please share filter details via slides presentation

[@LYLEHaney-j1z]

The importance of community governance in XAI213K cannot be overstated.

[@ashishbansal9720]

Kindly tell XA1213K..... ???

[@vinayakrauniyar]

Sir plz kabhi LIC Jeevan tarun par bhi video bna dijiye….please sir🙏🏾

[@rajaragnar9235]

Sir NPS nd UPS per Ek video bna do government job walo k liye Plzz best kon sa hai

[@SravanSTG]

Where and how to invest in NPS?

[@santosh_979]

12 साल हो चुके 24 लाख लगाए रिटर्न आज 39 लाख, करोड़ छोड़ो 50 लाख तक नहीं हुए हैं

[@joyanupam1983]

is it applicable for tax exemption under new tax regime ?

[@samirfaras5145]

No😂

[@biswajitkalita7816]

No

[@Myknowledgereview]

No

[@Dinesh_Fabwani]

Mujhe ek chiz janani h , kya meri HUF mere NPS account me contribute kr sakti h and kya uska meri HUF ko old scheme me ITR bharne pr deduction milega

[@sumankumarsahoo6274]

Dear sir salary se pf kat raha hai fir bi nps karna chahiye kya.

[@investrohub]

Best nps fund manager currently is dsp pension fund.

[@tarun7001]

Fake pranjal kamra found 👆

[@SOUMYAMOHAPATRA-j6z]

There must be a detailed video in various annuity plans

[@Fashionblog2024]

Can u please share which mutual fund is best for children?

[@AmitKumar-uj7mv]

Very good topic choice, every youngester must opt for NPS.

[@anujnandal]

What is the benchmark for Scheme -E in NPS?

[@dibyajyotipathi149]

Hi Pranjal can u plz compare nps with retirement mutual funds ?

[@Doctorravikant]

What if person die before retirement. What will happen to NPS amount?

[@biswajitkalita7816]

Ghar wale govt offices ke chakkar katte reh jayenge lekin paisa nehi milega

[@Myknowledgereview]

It may work as family pension also

[@pravinjadhav8055]

Nominee can get whole amount or pension whatever nominee chooses

[@pritamnandi6145]

In NPS we have to choose 3 funds, U suggest us only one . What about the other two??

[@shailendrarajpoot8768]

Please make a video on nps v/s ups and there pro. N con. For awerness

[@prakharsinha8335]

Can you make a video on nps for government employees

[@apu29uec]

Returns are calculated based on Corporate bonds Government bonds AIF and equity and also depends on allocation so straight away saying HDFC is better doesn't make much sense

[@pawansinha6495]

Maine online NPS account open karna start Kiya tha but nahi kya because contribution amount par GST amount excess tha

[@shettydeenu6110]

I bought the finology one plan 2 months ago on September 8th but there is a lot of error in the information given about the stock. When I check the stock information on the ticker, there is information that is not updated. Please do not buy the plan. finology not prompt

[@biswajitkalita7816]

DO NOT invest in NPS or any other Govt schemes. There is no guarantee that you will get your money back.

[@devdutta8405]

Present government is just looking for ways to squeeze money from wherever possible. There is no consistency in their policies. Can't trust them.

[@Pandi-rj]

Hello @pranjal kamra, I am a newbie in stock market and I am searching for a best teaching youtube channel. Many people recommended your channel but I have problem to understand hindi. I am not good at hindi. Will you post your videos in english, It will help the students who ready to learn about stock market.

[@Modiyogimodiyogimodi]

The forced annuity and not having 100% equity, it’s a monopoly of banks they can do anything.

[@Peeyush2]

Sir the information you are providing is available in every NPS video. However no one shows the process to withdraw amount once you attain age of 60. What is the process, how to get the money after age of 60??

[@deepjyotidebnath4122]

Dear sir 🙏 Please make a video on PPF

[@raghavyadav9897]

Thanks for 272 Subscribers ❤🙏

[@bhavneshparikh8283]

Which nps fund is best in auto choice of trie 1?

[@prasenjitbiswas5812]

Does the calculation consider the inflation??

[@Myknowledgereview]

No

[@shikhargupta2965]

Why are you not launching a finology application for mobile

[@anmolgoyal4814]

Hi Pranjal.. I have one doubt regarding NPS if you could plz clear. I tried to search but not able to find solution. I worked in govt institution for 2 years, there my NPS account was opened and employee employer contribution was done. But now I left the job and joined private institution. But still i m maintaining my nps account since 5 years on my own.. my question is, is there any need to shift my account from govt institute? If yes, whats the process?

[@SMLearn8191]

Excellent 🎉

[@satyaprakashpandey8002]

Thank you sir, what is the fate of 40% of the corpus after the death of pensioner? If spouse or nominee will get the 40% in lump sum form? Please give your opinion ?

[@Jasjitsingh132]

Hello Sir, how to enroll in Stock 30 ???

[@clothes.lavish46]

Make a video about NPS Rebalancing

[@sailordaivik3873]

sirji pls guide also to how much % we distribute in equity, gov. bond & corp. bond. also, in auto choice aggressive, moderate or conservative. what we choose.

[@AmitKumar-uj7mv]

Equity 75% for more returns, rest as per your choice

[@bhaskarsharma8313]

Mafang & SGB ka kya karna hai. Already invested.

[@ESHAN244]

Please make video on MOMENTUM Funds

[@BasakNazli]

Sold all my xrp yesterday and bought XAI213K