NPS

Sarvottam Wealthnetwork Private Limited

Dahyabhai Patel, Director
M.Sc., C.I.A., Certified Financial Planner

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Mr. Dahyabhai Patel, Director of Sarvottam Wealthnetwork is Retirement Advisor registered by PFRDA.

  • NPS is a government-backed retirement savings scheme in India designed to help individuals build a pension corpus for their post-retirement years.
  • Anyone between the ages of 18 to 70 years can invest in NPS, whether salaried or self-employed.
  • Investors can choose their own asset allocation across equity, corporate bonds, and government securities, or opt for auto-allocation based on age.
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  • Contributions to NPS are eligible for tax benefits under Section 80C and an additional ₹50,000 under Section 80CCD(1B) of the Income Tax Act.
  • The scheme offers a low-cost structure and professional fund management by leading pension fund managers.
  • NPS investments are locked in till the age of 60, but partial withdrawals are allowed under specific conditions.
  • At retirement, up to 60% of the corpus can be withdrawn tax-free, while the remaining 40% must be used to buy an annuity.
  • The annuity provides a regular monthly income after retirement, ensuring financial security for life.
  • NPS is regulated by PFRDA (Pension Fund Regulatory and Development Authority), ensuring transparency and safety.
  • By investing regularly in NPS, individuals can build a disciplined, long-term retirement portfolio with stable returns.

The National Pension System (NPS) is a government-backed retirement savings scheme in India designed to provide financial security during old age. It’s open to all Indian citizens between 18 and 70 years of age and offers two types of accounts:

  • Tier I: A mandatory, long-term retirement account with tax benefits and restrictions on withdrawal.
  • Tier II: A voluntary savings account with more flexibility but no tax benefits.

NPS is market-linked, meaning your contributions are invested in a mix of equities, government bonds, and corporate debt, depending on your chosen risk profile. It’s regulated by the Pension Fund Regulatory and Development Authority (PFRDA) and is known for being cost-effective, transparent, and tax-efficient

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Key Highlights: A Popular Family-Oriented NPS Investment: NPS Vatsalya

One standout example of a family investing in NPS is through the NPS Vatsalya scheme, launched in 2024. It allows parents to open a pension account in their child’s name—even for minors under 18. The idea is to harness the power of long-term compounding to build a massive retirement corpus for the child.

Here’s how it works:

  • A parent invests ₹10,000 per year from the child’s birth until age 18.
  • Assuming an average return of 12.86%, the child could accumulate ₹11 crore by age 60.
  • The account automatically converts into a regular Tier I NPS account when the child turns 18.

This scheme is especially popular among middle-income families looking to secure their children’s financial future with modest annual contributions. It’s also a great example of intergenerational financial planning, where parents invest early to give their kids a head start.

NPS benefits for All Indians: Secure Retirement, Tax Benefits, Peace of Mind. Why NPS?

India is a young country today—but it’s aging fast.

With rising life expectancy and reduced joint family support, self-funded retirement is no longer optional.

The National Pension System (NPS) is a powerful and low-cost tool designed for every Indian to build a secure retirement corpus and enjoy multiple tax benefits.

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India's Retirement Reality

Over 90% of Indians in the unorganized sector have no formal pension.
Government jobs with pensions are shrinking.
Inflation and healthcare costs are rising every year.
Most people underestimate how much they’ll need after age 60.

Why Every Indian Needs NPS

Low-Cost, Market-Linked Growth

Invests in equity, corporate debt, and government bonds.

Retirement Corpus + Monthly Pension

Build wealth till age 60, get regular pension after.

Flexible

Anyone aged 18 to 70 can join—salaried, self-employed, housewives, businessmen, farmers.

Regulated by PFRDA

Professionally managed, fully transparent, and safe.

Voluntary Contributions

Start with as low as ₹500, increase anytime.

Unmatched Tax Benefits

  • Up to ₹1.5 Lakhs under Section 80C.
  • Additional ₹50,000 under Section 80CCD(1B) — exclusively for NPS.
  • Salaried? Employer contribution also gets tax deduction up to 10% of basic + DA.
  • Lowest EET taxation regime—partial withdrawal and annuity are tax-efficient.
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How to Start

  • Open online via eNPS or through POPs (banks, agents, fintech).
  • Choose your fund manager and asset allocation (Auto or Active).
  • Track performance regularly via CRA login or mobile app.

A Financial Advisor Can Help You:

  • Determine ideal monthly/yearly contribution.
  • Choose suitable asset mix and pension payout options.
  • Maximize tax savings and long-term returns.
  • Review and adjust based on life stages and goals.

Start Early, Retire Peacefully

“Don’t retire poor. NPS is your path to a worry-free tomorrow.”
Join the growing number of Indians building retirement wealth through NPS. Speak to a certified financial expert today!