A primer on the New Pension Scheme (NPS)

by Manshu on September 27, 2010

in Retirement Planning

I’ve wanted to write about the New Pension Scheme (NPS) a lot sooner, but never got around to it. Reader Gaurav sent me some great material on it, and got me started.

The stuff that he sent me was an entire post in itself, but I thought I’d add to it, and create a comprehensive post on the New Pension Scheme.

First off, you can call it New Pension Scheme, National Pension System, New Pension System or NPS, anything you like. They’re all the same; I’ve seen different articles call them different names, so that might get a bit confusing, but you’ll soon get used to it.

Next up, some of the things this post will address, are:

  • What is the New Pension Scheme?
  • What are Tier I and Tier II accounts in the NPS?
  • What are the three categories in the NPS?
  • Fees and Expenses related to the NPS?
  • What is the minimum amount needed to invest in the NPS?
  • What are the tax implications of NPS?
  • How can I open a NPS account?
  • Why hasn’t this become popular?

What is the New Pension Scheme?

The NPS was introduced by the government last year to give people a way to get a pension during their old age. Employees of the government sector already get a pension, so this scheme was introduced as a social security measure that enables people from the unorganized sector to draw a pension as well.

The working mechanism is quite simple – you contribute a certain sum every month during your working years, which is then invested according to your preference. You can then withdraw the money when you retire, which is currently set at 60 years old.

When I say you invest according to your preference, I mean that there are a couple of different options that you need to select from. These options pertain to your preference on withdrawal, and asset allocation.

What are Tier I and Tier II accounts in the NPS?

The NPS is meant to be a pension scheme, so it is geared towards giving you a steady stream of income on your retirement.

That means that NPS makes it difficult to withdraw your money during your working years or till the age of 60 in this case.

Tier I and Tier II are two options under the scheme where you can invest your money, the primary difference between them is how they differ in allowing you to withdraw your money before retirement.

NPS Tier I

There is severe restriction on withdrawing your money before the age of 60, because it is necessary to invest 80% of your money in an annuity with Insurance Regulatory Development Authority (IRDA) if you withdraw before 60. You can keep the remaining 20% with you.

When you attain the age of 60, you have to invest at least 40% in an annuity with IRDA; the remaining can be withdrawn in lump-sum or in a phased manner.

Here are the details of how your money can be withdrawn in a NPS Tier I account.


Death is another way of getting the money, but that might come in the way of other plans you have.

NPS Tier II Account

The first thing about the NPS Tier II account is that you need to have a Tier I account in order to open a Tier II account.

The Tier II account makes it easy for you to withdraw your money before retirement because there is no limit on the withdrawals you can make from the Tier II account.

You need to maintain a minimum balance of Rs. 2,000, and you can transfer money from the Tier II account to Tier I account, but not the other way around.

There is a Rs. 350 CRA (Credit Record Keeping Agency) charge which is not present in the Tier II account, but the rest of the fees remain the same.

Asset Allocation and Categories in the NPS

There is an Active Choice option, and an Auto Choice option. If you select Auto Choice then your money is invested in a certain percentage in the various classes based on your age.

Here are the three investment classes:

Class Risk Profile Description
G Ultra Safe Will only invest in Central and State government bonds.
C Safe Fixed income securities of entities other than the government
E Medium Investment in equity related products like index funds that replicate the Sensex. However, equity investment will be restricted to 50% of the portfolio.

In the Active Choice you can select how much of your money will be invested in the different classes with a cap of 50% in Class E.

Now, there are pension funds that will manage your money, and in either of these options you have to select the fund manager who will manage your fund. So even if you select the Auto Choice, you still have to tell them which fund manager you want to manage your money.

Fees and Costs related to the NPS

I talk about expenses a lot here, and the expenses on the NPS are really low. The annual fund management charge is 0.0009%, which is probably the lowest in the world.

There are some other expenses associated with the NPS, but as you will see all of them are quite low as well. Here is a list of the other expenses.


What is the minimum amount needed to invest in the NPS?

For a Tier I NPS account you need to contribute a minimum of Rs. 6,000 per year, and make at least 4 contributions in a year. The minimum amount per contribution can be Rs. 500.

Minimum amount for opening Tier II account is Rs. 1,000, minimum balance at the end of a year is Rs. 2,000, and you need to make at least 4 contributions in a year.

What are the tax implications of NPS?

The revised Direct Tax Code proposes to make the NPS tax exempt at the time of withdrawal. Initially NPS was going to be taxed at the time of withdrawal, and that had put it at a disadvantage to other products like ULIPs and Mutual Funds. But the revised code proposes it to be exempt from tax, and that really adds to its lure.

How can I open a NPS account?

You can open a NPS account by going to the bank branches of the banks that are authorized to sell this.



This is quite a good option for people who wish to invest for their retirement, and the government has done good to come up with such an option. It is still early days for the scheme so there are going to be some teething troubles, and I am sure you have come across several articles that write the NPS off completely, or suggest major changes.

While it has not gained in popularity the way you would’ve expected with the low cost structure, a primary reason of that is there is no real incentive for anyone to push this to consumers, so it has not gained any real traction.

That being said, the scheme is a good initiative, and given enough time, the chinks should be ironed out in its favor.

As a final word – a big thank you to Gaurav who sent me all the material, and pushed me to write about the NPS. Thanks Gaurav!

{ 99 comments… read them below or add one }

Shiv kumar singh August 20, 2012 at 11:39 AM

I have pran no.500040479870 dated 24-05-2011 .pl.tell me how to know my present fund status of nps A/c. how I will receive my password/tpn no.
Shiv kumar singh


vikram August 21, 2012 at 11:51 AM

Hi Folks,

So if my employer deposits 10% of my CTC to NPS account it is tax free. Is 10% the maximum allowed? So if I deposit amount into NPS account it is not tax free am I right?


Manikaran Singal August 22, 2012 at 6:21 PM

10% of basic+DA and not CTC. Yes, 10% if the maximum amount.
If you deposit yourself then the amount will be counted u/s 80C tax saving .


p.senthilkumar August 22, 2012 at 3:46 PM

what is the procedure for changing nomination in tier1 a/c


Akhilesh Kumar August 25, 2012 at 6:46 AM

My NPS PRAN account had been locked. please suggest me how to unlock it. My pran no. is 110080824609.


Jemima, Tamilnadu September 5, 2012 at 12:58 PM

My friend was working as PA, IndiaPost and he got his PRAN number but now he resigned and joined as VAO in state goverment can he able to continue with the same no and what is the procedure for it


pawan September 13, 2012 at 11:02 AM

new pension scheme is not a good policy i think because we does not know about our money how we get back if we passed out and get retair and how our family get help with this scheme


vikas garg September 20, 2012 at 2:33 PM

am working as govt.employee and G.P.Fund subscriber in old pension plan. Can i also open NPS account as individual through any bank appointed as POP by PFRDA. my option for the bank is oriental bank of commerce. Is this bank will be suitable for me for funds point of veiw or growth of income wise.


Manikaran Singal September 26, 2012 at 6:09 PM

Yes Vikas, you can open the NPS account in your individual capacity. There’s no restriction on that. OBC is just a Point of sale for NPS it has nothing to do with the performance of your investments in NPS.


Rajiv kumar September 30, 2012 at 6:42 AM

if a govt employee who is member of NPS tier 1 scheme and resigns from govt job after 3-4 years . how he can withdraw his money from the NPS and if he wish to continue can he?


Manikaran Singal October 12, 2012 at 8:38 PM

He can continue with his own contribution.


shiv kumar October 1, 2012 at 8:54 PM

sir my name is shivkumar ( i have a pravet job) i leave in jammu & kashmir state, and belongs to bihar
my (Sbi saving acount in bihar state) how much apply nps acount in my sbi acount


ketan dodia October 11, 2012 at 6:33 PM

I am doing as security guard job in private sector
how can Iget benifit of NPS?


shahparas August 9, 2013 at 3:28 PM

9825550066 call me that number


b.rams November 8, 2012 at 1:33 PM

i am working in railways last six years . Now i am going to reigne due to my personnel problems. Any one can tell me can i withdraw my nps Deposit.


Baliram Manaji Waghmare November 19, 2012 at 5:00 PM

i want these all instructions in hindi, so plz send me the above instructions in hindi as early as possible on my e-mail id.


sivakumar November 27, 2012 at 1:21 PM

i am working as a mts in income tax department . if i will resign my job how withdraw my new pension scheme amount . i joined feb 2012 only. so please tell the procedure . any one


gbnigam December 21, 2012 at 10:07 PM

my brother is working as u d c in janpad panchayat katni m p . he wants to become a member of n p s . he has also been provided with n1 ,n2,n3,and n4forms. but it is not known to him that which and how many forms are to be filled by him he wants to become member under tier 1 and tier 2 both . please help him by advising that what are the action to be taken by him . please explain step wise step action to be taken by him presently he is a member of c p f scheme .


gbnigam December 21, 2012 at 10:14 PM

my brother who is working in janpad panchayat kathi madhya pradesh as u d c wants to be member of n p s . he has been provided n1n2n3and n4 forms . kindly advise him steps to be taken by him . you are also requested to explain him step wise step that how many forms are to be filled by him .he is a member of c p f . he wants to to become member of tier 1 and tier 2 both the scheme


balwinder singh January 25, 2013 at 5:20 PM

sir,if a central govt employee who is member of NPS tier 1 scheme and resigns from govt job after 4-5 years and joined a state govt. (other department through proper channel)
1. how he can withdraw his money from the NPS?
2. or he can use same pran no or NPS tier A/c in State Govt Department?
3. which is the method of transfer of NPS a/c of central govt to state govt.


Suketu Bhatt February 14, 2013 at 6:13 PM

1. He would not be able to withdrawal from his Tier I A/c of NPS
2. but Yes… he can use his same PRAN, Tier I A/c in state department where he moved
3. He has to go through his current department and should raised this query immediatly or else another PRAN will be generated by state government


khaleel January 28, 2013 at 10:07 AM

sir please give me a details about national pension scheme as soon as possible
why because i have seen this advertisement in local paper and i contact toll free no also but there are not response so please give me a details information about national pension scheme


anilkumarverma May 29, 2013 at 7:49 AM

I am trying since long to become member of NPS for pension after retirement.
I have also tried to contract some of the branches of the bank but failed as they have no knowledge of opening of the NPS A/c. i have also tried to contact on phone with sbi,NPS cell Mumbai, but, no positive reply. please guide and advice to whom i should contact and oblige.
A.K. Verma
email id:-aplkanpur@gmail.com


khaleel January 28, 2013 at 10:08 AM

for asssistent for details information about nps


pavani February 8, 2013 at 8:13 PM

how i wil know the amount in the NPS account?


gbnigam February 8, 2013 at 10:47 PM

though the scheme has been launched by super intellectuals by considering every pros and cons but as i understand that overall the scheme is not practicable .due to undermentioned reasons . 1– nothing is certain 2– complicated 3– no one is responsible to solve problems 4– no one can enjoy his money during his life as the major portion of saving is to be deposited in another scheme . and at last5–it is very very complicated to understand in every step


Manshu February 10, 2013 at 5:09 AM

It may not have been created by super intellectuals 🙂


prasanta das February 21, 2013 at 4:08 PM

some detials information about these.


Prem Pratick Kumar March 7, 2013 at 12:57 AM


Pension Scheme or Superannuation account? Which is better for saving TAX as well as growth in long term.

Prem Pratick Kumar


Nishant March 31, 2013 at 7:47 AM

Dear sir,
i wish to sell nps.what should i do to become its agent or distributor.is any mutual fund agent can sell nps.please guide me.


Kartar Singh Sandil May 18, 2014 at 7:47 PM

I am CMD of CMT MART (one of the leading MLM company of India.) I wish to become a Corporate Agent to sell the National Pension Scheme(PFRDA). Please tell me that how my company can become Corporate Agent.
Kartar Singh sandil
9816978228, 9816044702


RAVI MAKKAR April 12, 2013 at 10:57 AM

Please send me a form for change of address for NPS account over email.


KARTHIKEYAN.S April 19, 2013 at 7:09 PM

no in sbi


Vaishnavi April 30, 2013 at 3:30 PM

Thanks for this great article. Everytime I recieve my Payslip and see the deductions, my heart skips a beat 🙂 So I try my best to save the maximum amount that I can. Only recently I learnt about NPS and was immensely interested in how this could be applicable to me. I work in an MNC, so we have a designated PF, in addition to this, I also have a PPF(which works as a pension fund, does it not?). I also utilize the entire 80c savings. I have a House Loan, but the exemption on interest is being utilized by my husband. In this case, would it be advisable to lock my money in an NPS scheme too?


Suketu April 30, 2013 at 7:13 PM


Employee whose total of basis+DA is more than Rs.6500, it is not mandatory to contribute in employee provident fund(EPF). You may get tax benefit in NPS under 80c up to Rs.1 lac and for the better accumulation of pension wealth it is advisable to park your saving in NPS rather to park anywhere else.
moreover you may get an additional tax benefit in NPS Corporate which is over and above Rs. 1 lac called 80ccd(2) but for that you may approach your employer.


Manshu April 30, 2013 at 8:28 PM

Hi Vaishnavi,

Thanks for your comment.

In my opinion, you have better avenues than NPs to invest in, and you are well advised to not lock in your money for the time being.

I say this because for government employees, NPs is the PF scheme so the government contributes an equal amount as the employee (up to a certain limit). If you contribute to NPS, you won’t get that benefit, so that’s one thing against it.
Secondly, there is no extra tax benefit to be had in your case since you’re already utilizing the limits elsewhere.
Finally, you don’t get anything extra by locking in this money; you may as well buy a mutual fund, index fund, or do a fixed deposit in which your money is not locked in.
I don’t see any value of investing in NPS in your case.


Vaishnavi May 2, 2013 at 1:35 PM

Thanks for your responses, Suketu and Manshu. I am not much into Mutual Funds or Equities since I really don’t get it. I usually look for low risk, low involvement kind of avenues.


Suketu Bhatt May 2, 2013 at 2:26 PM

Hi Vaisnavi,

As you are aware that NPS is mandatorey for the employee of central and almost 22 state government employee who joined service after 2005 so it is a very huge government’s own corpous invested in this scheme, moreover you would be having investment options like Equity Class( up to 50%), Corporate Bond Class and G = Government Security class or else you may opt Auto Choise option and let PFRDA to choose investment option as per your age.
You may study average of past return in NPS and even in G Class NPS has produced almost 11% of return.


kanwardeep May 19, 2013 at 4:35 AM

Very nice description of the npf scheme….
Can u plzz tell us the difference in the epf and npf scheme,,,,,


punam meshram May 19, 2013 at 6:41 AM

My nps card has lost what will I do


Bipin Bihari Pandey May 25, 2013 at 7:51 PM

Dear Sir plz. detail send me

Thank You


jigar June 17, 2013 at 12:06 AM

How to open a NPS account?
where i apply nps application present i am in vejal pur.pls sugest me in this area where i registered ,


p.jhammat July 4, 2013 at 5:26 PM

for employes enrolled in new pension scheme after 2005. shall they entilted for govt’s retirement gratuity/death gratuity?


p.jhammat July 4, 2013 at 5:34 PM

for govt employees enrolled in new pension scheme after 2005. shall they entitled for govt’s retirement gratuity/death gratuity?if yes and what is the criteria for calculation.


MALLU November 26, 2013 at 7:30 PM

My friend was working as PA, IndiaPost and he got his PRAN number but now he resigned and joined ONE JOB in state goverment can he able to continue with the same no and what is the procedure for it. OR HOW TO WITHDRAW IT.


Velusamy December 31, 2013 at 12:53 AM


I think EPS (Employee Pension Scheme) is bogus and cheating the employees. What ever I do, I get the same. Please correct what i am doing wrong here.

Every month, i contribute Rs.541 towards EPS. Say, I am doing this for 20 years. After 20, years, I am entitled for pension (say my age was more than 58 at that time). The pension is (reported salary)*pensionable service years / 70. (6500*20+2(bonus))/70 = Rs.2042

I just took out simple RD calculator. RD Maturity after 20 years for Rs.541 per month @ 9% is 360962.
When deposited in FD @ 8% interest payout, it would be approx 2406
The pension is less but the government ate the capital Rs.360962.

Am i wrong any were?


Amitabh baruah March 28, 2014 at 8:29 PM

Is the new pension system and the national pension system the same.and in both of them will i get mönthly pension.i am working in icar govt of india. I am a subscriber of new pension system.want to know if i will get monthly pension.


Nand Ram Ahirwar March 31, 2014 at 2:48 PM

I want to open new in NPS so Please tell me about this .


Kartar Singh Sandil May 18, 2014 at 7:51 PM

I am CMD of MLM Company. I wish to become a corporate Agent of National Pension Scheme(PFRDA) to sell the pension scheme. Please tell the procedure that how I can become a corporate agent. Please give me mis call.
9816978228, 9816044702


sonu babbar September 14, 2014 at 8:31 PM

anyone join nps contct me on my nmbr 08813811815 ,9068697326


Ghanshyam sharma September 19, 2014 at 8:05 PM

nps ac. ki user id v password kaha se milega sir.


sateesh dhavale November 2, 2014 at 12:08 PM

i joined service at 2008 every month nps amount deduction is 2000 i want take part of mouney from my nps account what is the procedure for that


Ved Parkash Dhull November 4, 2014 at 3:12 PM

A joined his service in a Govt. society w.e.f. 19.04.2012 and he became member of Employees’Provident Fund. His employer adopted New Pension Scheme as on 1.11.2014 for its employees who joined their service in the Society on or after 1.01.2006.
Whether can switch over to New Pension Scheme? If so, how his employee share and employer’s share contributed to EPF from June,2012 till date can be transferred to New Pension Scheme. Please reply immediately alongwith the provision of EPF Act.


Ved Parkash Dhull November 4, 2014 at 3:14 PM

Ä” joined his service in a Govt. society w.e.f. 19.04.2012 and he became member of Employees’Provident Fund. His employer adopted New Pension Scheme as on 1.11.2014 for its employees who joined their service in the Society on or after 1.01.2006.
Whether Ä” can switch over to New Pension Scheme? If so, how his employee share and employer’s share contributed to EPF from June,2012 till date can be transferred to New Pension Scheme. Please reply immediately alongwith the provision of EPF Act.


B.RAJ KUMAR November 11, 2014 at 1:29 PM


Are the Defense Ex-servicemen eligible for this scheme.
pl message as early as possible.

Thanking you


sanjeev kumar December 12, 2014 at 11:06 PM

More details NPS return


Jalpa Y Gohil December 25, 2014 at 2:47 PM

Hi I want to understand about NPS , if i will invest Rs.1000 per month in Tier I plane i.e Rs.12000 per anum ,My age is 32 years .How much amount i will get monthly after my retirement i.e at the age of 60 or age as per NPS plane.My contact no is 9227144404 .Please let me know ASAP.


dinesh December 27, 2014 at 11:31 AM

government job me mera NPS account he.
kya me is account me alag se pesa jama kar sakta hu .
kya me tear 2 me amount jama kar sakta hu.
kis prakar ?


Pranab Hazarika December 29, 2014 at 3:41 PM

My NPS account has been locked. Please suggest me how to unlock it. My PRAN no is 111003912847. I have been derving in chapanalla HS School since 2013


Pranab Hazarika December 29, 2014 at 3:54 PM

My NPS account has been locked.Please suggest me how to unlock it.My PRAN no is


gopeshwor January 3, 2015 at 2:34 PM

“Be a healthy and wealthy Indian.”


GUSINGE BHAGATSINGH February 11, 2015 at 8:28 AM

sir GOOD Morning
sir mai central reserve police force me hu sir mera paisa mantly apane aap kat ta hai to hame 20 sal ke bad retirement ha jaynge to hame paisa kab milega aur usake liye kya karna padega aur sir mere paas PRAN CARD hai magar me usaka password users id bhullvgaya usake liye kya karu please help me


vishnu ks February 12, 2015 at 2:20 PM

i leave cisf
now i need asp name
asp id
asp scheme name


raj February 20, 2015 at 10:43 PM

kya gov employe nps ka labh nahi le it means kya koe employe nps account open nahi kare aise ho sakta hi,


Anil kumar suthar February 22, 2015 at 8:23 AM

Sir me abhi kendriya vidhyalaya me service kar raha hu as a central govt employee .agar muje kv me pran number aur pran card issue ho jata he jiska form mene bharkar beja he…………par mera selection abhi mere state govt me as teacher ho gya he.aur me kv se region karne wala hu.
To me aapse yah puchhna chah raha tha ki kya muje yaha state govt me naya PRAN CARD issue hoga.
Ya mere purane number se hi NPS account banega.


Suresh D March 9, 2015 at 3:42 PM

Hi Sir,

Good article. But I am still not able to understand clearly the whole process. Let me go thru your article line by line to understand.

Suresh D


mane avinash March 9, 2015 at 4:22 PM



vishal dhankhar March 16, 2015 at 11:25 PM

how can get agency of nps sawalibhan yojana


vishal dhankhar March 18, 2015 at 1:38 PM

how sir reply me ya call me urgentali


shivam mishra March 23, 2015 at 8:15 PM

mujhe hona


m.c.khandelwal March 31, 2015 at 6:42 PM

i am in sbi, i leave the bank job and going to other semi govt. co. without showing previous employment detail, can my pran no. cancelled and new no. can issue through new employer.


farid.khan April 24, 2015 at 5:50 PM

Key app meri madat karge key my father 62years old sad ar.bazaar se me phone number 9711552674 places call you


shudhanshu kumat May 16, 2015 at 12:25 PM

sil crpf me leave eol me regulised karne ka kiya matlab hai without pay


Ravikrishna September 25, 2015 at 8:49 PM

Dear manikaran singal I want to know details about NPS PRAN account… I am working as a police constable in andhra Pradesh from 2013. one year later I am selected as a railway t.c wait list candidate. at the time of document verification I weren’t tell I were a working employ, presently I was declared as confirm list candidate… I know about once I resign the police job the details of PRAN account number details will closed or not? there will be any disturbance to enroll new PRAN account from central government. please send me a clear information to save my job.


SB October 11, 2015 at 3:50 PM

Hi Shiv,

Can you share your comments and recommendations regarding NPS under the current scenario?

Thanks in advance.



manoj kumar singh October 15, 2015 at 8:00 PM

I want to know everything about nps because I have no idea and no pension after retirement and not any further income after ret.


SB November 4, 2015 at 11:12 AM

Hi Shiv,

Let us assume that we have an employee in corporate sector at 30% tax bracket. I would assume that he would go for NPS only if he is a pessimist about his career and future wealth creation prospects i.e. he expects that he will have very less retirement income. Since proceeds are taxable at withdrawal including the annuity payments, NPS will not be tax effective for someone who will still be in 30% or 20% tax bracket during retirement years.

However, if the personal tax is completely done away with in the long term, then it may make sense to invest and take the tax benefit of 50000 now itself.

What would you suggest to this employee from corporate sector at 30% tax bracket (assuming he has exhausted all other tax planning schemes PPF,EPF, other 80C deductions to the fullest extent)?

Thanks in advance.


AJAY KUMAR December 11, 2015 at 11:47 PM

I have a PRAN no.I was central govt. employee and now joined state govt job.I reapplied for PRAN card .My acknowledgement no is issued but PRAN card is not generated. Now can I cancelled my application for PRAN generation,how can I use my Pran card in state government job.is any approval is needed from previous PAO/DDO?


GKH December 25, 2015 at 8:40 PM

State /Central Govt. employees are eligible to invest in NPS Tier-I, and to avail Rs. 50000/-income tax exemption is allowed


jaswant singh vasant singh kuwar January 6, 2016 at 10:20 AM

I have PRAN no 110050191751 ,pl, tell me how to know my present fund status of NPS A/C how I will receive my password/ TPN,no thanyou


md tanweer January 17, 2016 at 9:29 AM

Hello sir.


Dr M.S.Kumar February 10, 2016 at 8:55 AM

Dear Sir,
Can I open an NPS account now, at the age of 60+ years, since I want to save tax?


Ali February 12, 2016 at 11:10 AM

Mene 26 ki age me nps scheme me rs1200 per year se acc. Bhulvaya to me jan sakta hu ki 60 saal bad kaise aur kitna pension milsakta hai?????


Benerji February 17, 2016 at 4:10 PM

I wants to know every thing about the NPS as i have no idea and knowledge regarding the NPS .After retirement having no source of income.
How can meet the both end?


Shravan y. C February 26, 2016 at 4:20 PM

I have made firstremittance through sbi malleswaram branch on 15 feb ihave still not receoved my pran . Whom should i contact as i have to make further payments immly.pl reply.


uzzawal kumar March 8, 2016 at 7:58 PM

Good evening sir, main paramilitary force main hu or 10 saal service ho gaya hai.to sir nps se kuch amount nikalna chahata hu kaya hum nikal sakate hai. Pls reply sir


indrajGurjar March 9, 2016 at 11:22 PM

nps in withdrowl k Bary mai batao ples


KnowTheTruth March 11, 2016 at 3:24 PM

I would like to know whether the date of deposit into NPS account makes a difference to the NAV (like in case of SIP). In other words, should the NPS account holder worry about the market level (sensex) at the time of making the deposit?


Harbanslal Nagee March 14, 2016 at 9:33 PM

I am 70 + can I invest 50,000 to get the benefit 1,50,000/ + 50,000 in income tax.


Harbanslal Nagee March 14, 2016 at 9:36 PM

I am 70 + can I invest 50,000 to get the benefit 1,50,000/ + 50,000 in income tax. Under NPS.


Ishwarbhai March 19, 2016 at 12:17 AM

Sir t-1 ke liye withdrew kar sakte hai


Adwait March 25, 2016 at 12:39 PM

Can now army persons also apply?


dhanvantari parsad March 28, 2016 at 7:19 PM

NPS ,pran number


dhanvantari parsad March 28, 2016 at 7:21 PM



MANISH KUMAR SRIVASTAVA April 19, 2016 at 9:10 AM

I want to know that-
1- is there any difference between national pension scheme and new pension scheme ?
2- if both are different then can we take both?
3- is both scheme will give income tax relief together i.e for 100000/- exemption.


c.k.santhosh kumar April 21, 2016 at 12:03 AM

I am a mutual fund advicer.can l become NPS agent?


choth mal meena May 16, 2016 at 12:13 PM

How can I lone a Nps account


Mondal paresh September 30, 2016 at 3:16 PM

mera basic pension 12268 rs hai ab kitna air kabtak milega


Kanchan March 4, 2018 at 8:58 PM

Sir my PRAN No. has reached to me as 1 month back i had submitted the form and nothing is getting deducted from my salary. But i have come to know that nothing is clear about NPS and if invest thay much money in any mutual fund i will get much more return. Iam employed in North Delhi municipal corporation as doctor.Is it compulsory? If yes where it is written?Why I haven’t been informed before joining the service? How can i stop the deduction from my future salary .PLZ ME YOUR ADVICE. THANKS and REGARD in advance.


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