Latest Updates
  • NPS Vatsalya sees rising awareness as government promotes early retirement savings for children under 18.
  • Tax benefits up to ₹2 lakh available under Sec 80C & 80CCD(1B) on NPS contributions.
  • PFRDA reports record growth in NPS subscribers across India.
  • NPS Vatsalya sees rising awareness as government promotes early retirement savings for children under 18.
  • Tax benefits up to ₹2 lakh available under Sec 80C & 80CCD(1B) on NPS contributions.
  • PFRDA reports record growth in NPS subscribers across India.
  • NPS Vatsalya sees rising awareness as government promotes early retirement savings for children under 18.
  • Tax benefits up to ₹2 lakh available under Sec 80C & 80CCD(1B) on NPS contributions.
  • PFRDA reports record growth in NPS subscribers across India.
  • NPS Vatsalya sees rising awareness as government promotes early retirement savings for children under 18.
  • Tax benefits up to ₹2 lakh available under Sec 80C & 80CCD(1B) on NPS contributions.
  • PFRDA reports record growth in NPS subscribers across India.
Our Offerings

Individual NPS - Take Charge of Your Own Retirement

Retirement planning shouldn't be dependent on where you work. Individual NPS — also known as Retail NPS — is designed for every Indian citizen who wants to independently invest in a structured, government-regulated pension savings plan. Whether you are a self-employed professional, a freelancer, a business owner, or simply someone who wants to supplement their existing retirement savings, Individual NPS gives you full control.

What Is Individual NPS?

Individual NPS allows any Indian citizen between the ages of 18 and 85 to open and manage their own NPS account independently, without requiring employer participation. It is a self-driven retirement investment plan that combines market-linked growth, tax efficiency, and long-term financial discipline in one simple structure.

Who Can Subscribe to Individual NPS?

  • Indian citizens (resident or non-resident) aged 18 to 85 years
  • Self-employed individuals, freelancers, entrepreneurs, and professionals
  • Salaried individuals who want to invest beyond what their employer offers
  • Homemakers or others with independent income sources
  • Government or corporate employees seeking additional voluntary contributions

How to Get Started

Opening an Individual NPS account is quick and easy:

  • Visit a registered Point of Presence (PoP) or open an account online via the eNPS portal.
  • Complete KYC with Aadhaar and PAN details.
  • Choose your preferred Pension Fund Manager (PFM).
  • Select your investment strategy — Active Choice or Auto Choice.
  • Make the initial contribution and receive your PRAN.

Key Benefits of Individual NPS

  • Self-Directed Investment: Choose your preferred Pension Fund Manager (PFM), asset allocation, and contribution schedule independently.
  • Tax Savings up to ₹2 Lakh Claim deductions under Section 80CCD(1) (within the overall ₹1.5 lakh limit) and an additional deduction of ₹50,000 under Section 80CCD(1B).
  • Flexible Contributions Contribute as little as ₹500 per transaction, with a minimum annual contribution requirement of ₹1,000.
  • PRAN Portability Your Permanent Retirement Account Number (PRAN) remains with you regardless of changes in location or employment.
  • Digital Access Easily monitor your portfolio, track performance, and make contributions through online platforms.
  • Investment Choice Allocate your investments across Equity (E), Corporate Bonds (C), and Government Securities (G) according to your risk appetite and financial goals.

Building Pension Wealth Your Way

Individual NPS is particularly powerful for those who start early. A 25-year-old investing ₹5,000 per month in NPS can potentially accumulate a corpus of over ₹1.5 crore by retirement, depending on the returns — demonstrating the extraordinary power of long-term compounding.

Ready to take the next step?

Open your NPS account in minutes with Alankit — your trusted retirement partner.

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