Retire Smartwith NPS
Grow your wealth systematically and enjoy a worry-free life post-retirement with National Pension System.
NPS Retirement Calculator
Visualize your financial future. Estimate retirement corpus and monthly pension.
Retirement Variables
Monthly
Pension
₹38,283
Key Retirement Insights
By investing ₹5,000 monthly for 35 years, you accumulate a corpus of ₹1,91,41,384.
With 40% annuity, you secure a monthly pension of ₹38,283 for life post-retirement.
NPS offers an additional tax deduction of ₹50,000 under 80CCD(1B), saving significant taxes every year.
Starting just 5 years earlier could result in a substantially larger retirement corpus due to compounding.
NPS Account Types
Choose the right account structure for your needs.
| Feature | Tier I (Pension Account) | Tier II (Investment Account) |
|---|---|---|
| Purpose | Retirement Savings (Mandatory) | Voluntary Savings (Optional) |
| Withdrawals | Restricted (Lock-in till 60) | Unrestricted (Anytime withdrawal) |
| Tax Benefit | Available u/s 80CCD(1) & 80CCD(1B) | No Tax Benefit* |
| Minimum Contribution | ₹500 per contribution / ₹1,000 per year | ₹250 per contribution |
| Account Status | Individual Pension Account | Add-on to Tier I |
*Tier II tax benefits available only for Govt employees with 3-year lock-in.
NPS Vatsalya
A specialized pension scheme for minors, leveraging the power of compounding for lifelong financial security.
Start Early (0–18 Years)
Open an account for your minor child and gift them the powerful advantage of early wealth creation from birth.
Compound Growth
Benefit from market-linked returns that grow exponentially over a long-term investment horizon of up to 60 years.
Seamless Transition
Auto-converts to a regular Tier-I NPS account upon attaining adulthood, preserving all accumulated wealth.
Growth Advantage
60 Yrs of Growth
Entry Requirement
Age 0–18 Years
Unmatched Benefits of NPS
Secure your future with India's most flexible and tax-efficient retirement saving scheme.
Tax Benefit
Save tax up to ₹50,000 u/s 80CCD(1B) over and above ₹1.5 Lakhs u/s 80C.
Market Linked Returns
Earn market-linked returns over the long term, outperforming traditional savings.
Flexibility
Choice to decide asset allocation and pension fund manager as per your risk appetite.
Portability
Seamlessly transfer your NPS account across jobs and locations anywhere in India.
Online Access
Full online access 24/7 through app and web portal to track and manage your investments.
Superannuation
Ideal retirement planning tool to ensure financial independence post-retirement.
NPS Withdrawal & Exit Rules
Transparent and flexible exit rules tailored for your financial milestones.
At Retirement (60+)
Minimum 40% must be used for Annuity (Monthly Pension).
Up to 60% can be withdrawn as a tax-free Lump Sum.
If corpus is ≤ ₹5 Lakh, 100% can be withdrawn as a lump sum.
Partial Withdrawal
Allowed after 3 years of joining NPS.
Maximum 25% of self-contribution can be withdrawn.
Reasons: Higher education, marriage, home purchase, or medical emergencies.
Premature Exit (Before 60)
Allowed after 5 or 10 years depending on sector.
Minimum 80% must be used for Annuity.
If corpus is ≤ ₹2.5 Lakh, 100% can be withdrawn.
NPS Eligibility & Documents
Opening an NPS account is simple and transparent. Review the eligibility criteria and keep your documents ready.
Eligibility Criteria
Citizenship
Indian Citizens, NRIs & OCI Card Holders
Age Limit
18 – 70 Years (at the time of entry)
Account Types
Available for both Tier I & Tier II Accounts
Employment
Applicable to Government, Corporate & Individual Subscribers
Required Documents
KYC Documents
Aadhaar, PAN Card, or Passport
Bank Details
Cancelled Cheque or Passbook Copy
Digital Uploads
Recent Photograph & Signature
Address Proof
Passport, Utility Bills, or Bank Statement
Keep digital copies ready for a 100% paperless onboarding experience.
Process to Apply
Open your NPS account in 5 simple steps. Experience a 100% digital and hassle-free onboarding process.
Registration
Visit the NPS portal of Infinity Arthvishwa and click on new registration.
KYC Details
Enter your Aadhaar or PAN details for KYC verification via OTP authentication.
Fill Application
Provide personal details, bank info, and nomination. Select Pension Fund Manager.
Payment
Make the initial contribution (Min ₹500) through Net Banking/Debit/UPI.
PRAN Generation
PRAN (Permanent Retirement Account Number) is generated instantly for your account.
⚠️ * Rules are subject to PFRDA guidelines and may change. Please refer to official documentation.
Frequently Asked Questions
Have questions about National Pension System? We have answers.