NPS operates on a defined contribution model. Subscribers make regular contributions to their NPS account throughout their working life. These contributions are invested in market-linked instruments — equities, corporate bonds, and government securities — based on the subscriber's chosen investment strategy. Over time, the power of compounding helps grow the accumulated pension wealth significantly.
Upon retirement, a portion of the accumulated corpus can be withdrawn as a lump sum, while the remaining amount is used to purchase an annuity that provides a regular monthly pension.
Retirement should be a time of comfort and security, not financial stress. NPS empowers you to take control of your financial future by systematically accumulating pension wealth over decades. With the dual advantage of market-linked returns and significant tax benefits, NPS is an ideal retirement planning tool for every working Indian — employed or self-employed, in the public or private sector.
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