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 🙌

[@ragupathi4129]

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

[@shankarnath]

Most welcome. Glad it was helpful! 🙌

[@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 🙌

[@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.

[@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.

[@balwantgusain7904]

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

[@shankarnath]

Thank you very much!

[@aganguly73]

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

[@shankarnath]

Thank you very much 🙌

[@phanishtn1797]

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

[@shankarnath]

Most welcome

[@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.

[@j2whoami]

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

[@shankarnath]

Appreciate that 🙌

[@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 ?

[@veeramanir8578]

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

[@shankarnath]

Thank you. Glad you liked it

[@TheBtrivedi]

Shankar - You are Rohit Sharma + Virat Kohli combined. Superb explanations. Your one video gives not only the overall picture but also with great details. Thanks for doing detailed research in preparation for this video.

[@shankarnath]

Thank you very much 🙌 .. albeit I have no plans to retire!

[@kinshuksrivastava6128]

@@shankarnath sir your sense of humour is also great. And your videos are very informative, you gained a subscriber today.

[@shankarnath]

@@kinshuksrivastava6128 Welcome aboard!

[@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.)

[@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.

[@somshridhar]

Best explanation ever First time I understood clearly. Thanks

[@shankarnath]

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

[@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!

[@suryanarayanachennai9415]

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

[@shankarnath]

Thank you very much! 🙌

[@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

[@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!

[@jobanmathew3081]

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

[@shankarnath]

Glad you found it useful!

[@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

[@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

[@paragvaishampayan9501]

Nicely researched designed useful content 🙏.Thank you very much

[@shankarnath]

You are most welcome. Glad you liked it

[@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

[@atuldubey1999]

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

[@shankarnath]

Most welcome. Glad you found it useful and informative

[@arunj48]

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

[@shankarnath]

Glad you found it useful 🙌

[@134278]

Excellent info Shankar, Thanks! I am your subscriber

[@shankarnath]

So nice of you and thanks!

[@syedismail2831]

Thanks Shankar. Really insightful and crisp.

[@shankarnath]

Most welcome. Glad you liked it!

[@NaveenKumar-zm9xw]

Great video and explanation.. Simple and effective..

[@shankarnath]

Glad you liked it

[@rrajeshmottwani7096]

Excellent presentation. Really appreciate your efforts. Thankyou

[@shankarnath]

You are most welcome 🙌

[@naveenkumarsharma2716]

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

[@shankarnath]

You're most welcome. Glad you liked it

[@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

[@martimeworld179]

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

[@shankarnath]

Thank you very much for your kind appreciation

[@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 ?

[@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.

[@satyambansal2856]

Very insightful video. ❤

[@shankarnath]

Glad it was helpful!

[@aaravdvlogger698]

nicely articulated

[@shankarnath]

Thank you!

[@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

[@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

[@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.

[@dsaha7700]

Shankar Ji, Many thanks as you have enhanced our knowledge on "NPS"... ( R u gaining a weight) ??

[@shankarnath]

Most welcome. Yes, there is some renovation work going at my place .. so I'm quite tired these last 3-4 weeks. This has affected my video schedule and my walk schedule aswell. This'll go on until the 15th of next month & then I'll spruce back to normalcy.

[@RaghunathReddy-w7q]

Very Informative

[@shankarnath]

Thank you 🙌

[@user-hv4ys1no8t]

@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.

[@krishnakishoreramadugu3754]

Excellent video ..... Deserves more views

[@shankarnath]

Thank you!

[@gaurav2009june]

Many thanks, it is a wonderful video.

[@shankarnath]

Thank you

[@tejab8352]

Thank you, Very helpful

[@shankarnath]

You're welcome!

[@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.

[@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

[@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

[@AB-cf8hy]

I am government employee. 7 saal se NPS me payment deduct ho raha hai aur 7 saal ka CAGR sirf 7.5 percent hai. Retirement ke sare calculation fail ho gaye mere. Isse achha to government kisi bhi index fund me investment kr deti. Atleast 12 percent ka CAGR to milta. June 2020 se bull market chal raha hai market all time high pe high laga raha hai aur NPS ka CAGR sirf 7.5 percent. Govt me bevkuf to nhi bana rahi hai.

[@AB-cf8hy]

Sir aap ko kya lagta hai NPS kitna CAGR dega long term me. Kya NPS sach me retirement ke liye behatar hai. Pls reply dena 🙏🙏

[@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/

[@AmrinderSinghRandhawa]

@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.

[@rakada]

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

[@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

[@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

[@1sanpa]

Thank you, great video

[@shankarnath]

You are most welcome! 🙌

[@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.

[@Secularismsucks]

Beautifully put. Thanks

[@shankarnath]

You're very welcome

[@Sandeep-ci1ej]

The Hindi version will be more popular and suitable for all users if you start in Hindi Channel

[@shankarnath]

Thanks for the suggestion

[@shaharukhpathan5331]

Very very informative vdo

[@shankarnath]

So nice of you. Thanks!

[@100Abhilash]

Thank you. This was helpful.

[@shankarnath]

Most welcome!

[@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?

[@anandranand1]

Neatly explained...

[@shankarnath]

Thanks

[@2024YearofLife]

Very Informative

[@shankarnath]

Glad you liked it

[@summitpictures6616]

Thanks for the detailed video!

[@shankarnath]

Most welcome

[@kirankumar-mz6or]

Thanks Sir , well explained 👏

[@shankarnath]

Most welcome! Glad you liked it

[@Spark878iu]

Very insightful video

[@shankarnath]

Glad it was helpful!

[@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 ?

[@sureshgs740]

The video was extremely informative. However, can the contribution be varied as one's career progresses?

[@shankarnath]

Yes. The NPS amount can be varied

[@rajeshkulkarni9869]

Really good video sir, thank you

[@shankarnath]

You are very welcome, glad you liked it

[@sanjeevgupta7010]

Great presentation

[@shankarnath]

Thank you!

[@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!

[@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

[@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

[@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)

[@bala542]

Good Information. thank you

[@shankarnath]

Glad it was helpful!

[@adityabharti7532]

thankyou

[@shankarnath]

Welcome

[@roshanjain2059]

Think of NPS and video just pop up 👍

[@shankarnath]

Enjoy! :)

[@abdevilliers1561]

no body is telling for 50 k tax exemption how much we have to contribute. Getting only 15000 tax exemption when u have deposited 50,000. For this we have to contribute around 165000...

[@roadtocrore]

Just wanted to confirm that if any person is already eligible for pension can apply for NPS or not

[@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.

[@mitun123das]

Govt employees can not select active choice option...

[@tspbhd213]

@Shankar 1st of all it was a great video. Some of my friend is saying not to invest in nps. But to invest in ELSS mutual fund. Because of annuity purchase and less return of NPS. I wanted to know are you a investor in NPS?

[@kvsbabu2124]

It is a long term investment for your retirement needs.

[@devchintu]

Prefer to have 100% liquidity option over this and also don't believe in govt policy on withdrawal amount.

[@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

[@charanthebond2]

One question: If let's say we have an active choice (75 equity, 15,10), and invest 100 rupees into Tier 1. After 1 year, assuming 40% growth in equity, and 10 % in the other two asset classes, the total value of trh fund would b 75x 1.4 + 25 x 1.1 = 132.5. Will this total sum be readusted to be 75, 15, 10 again, or will they grow parallely?

[@shankarnath]

It will be readjusted (technically called rebalanced)

[@charanthebond2]

@@shankarnath are you sure it will be rebalanced, as my question is about Active choice?

[@shankarnath]

@@charanthebond2 No, I am not sure. Pls enquire independently

[@kartik123007]

Retirement is a very very long term goal, then why all the pension fund managers have 90% of their equity in large caps... its really surprising...

[@shankarnath]

There were some limitations that PFRDA had imposed then. Additionally, the low expense ratio might be making it difficult for the funds to go beyond large caps due to transaction costs. However slowly improvements are being made and I think it wont be long before the funds shape up into a large & mid cap sort of a structure

[@sudharsanpartha8687]

Hi Shankar ...I work in a central autonomous body...my investment pattern follows default scheme .. hence growth is only 7 percent... I am not able to change my investment pattern online...any suggestions ?

[@shankarnath]

Hi. I believe there are some limitations for government employees on the funds, allocations etc. I've gone deep into that but other viewers have mentioned the same aswell. Apologies, this video is based on the "all-citizen" category (and not around central government, state government & NPS Lite which are other NPS categories)

[@archanakamat2635]

Excellent video

[@shankarnath]

Thank you very much!

[@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

[@sreejaysreedharan4085]

Quality content as usual ..But Shankarji does it really make sense opening a new nps account for people above 46years? Also can lumpsome money be invested or it's just monthly investments? would request your inputs here.Thanks.

[@shankarnath]

Thank you! 1. NPS extends until the age of 75 .. so even at 46, that's a three decade runway. One should keep that into consideration aswell along with one's financial plans. 2. Yes, contribution can be made in lumpsum mode aswell

[@hirajlotlikar9226]

Very informative,

[@shankarnath]

Glad it was helpful!

[@family_first_guy]

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

[@shankarnath]

Thanks for the suggestion, I'll try

[@PRATIVAGROUP]

Nice job Ji 🙏🙏

[@shankarnath]

Thanks a lot