Retirement Plans

Retirement Plans
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Single User

Eligibility for Individual Subscribers

  • Between 18-70 years can join
  • Easy and multiple registration options (Aadhaar, Digilocker etc.)
  • Open Tier I (Pension A/c) and Tier II (Add-on investment A/c).
Govt

Eligibility for Individual Subscribers

  • Central Govt./State Govt. (including autonomous bodies) employees covered in NPS.
  • Employees joined after applicable date mandatorily covered in NPS.
  • Open Tier I (Pension A/c), Tier II (Add on investment A/c), TTS A/c.
Handshake

Eligibility for Corporate Subscribers

  • Employees of Corporates who have adopted NPS can join .
  • Get additional Tax Benefits on employers contribution.
  • Flexibilty in choosing contribution (employer/employee), pension fund etc.
NRI

Eligibility for NRI & OCI Subscribers

  • Between 18-70 years can join on repatriation/non-repatriation basis
  • Contributions to come from NRE and NRO A/c.
  • For repatriation of amount, contributions should be made from NRE A/c only.
APY

Eligibility for APY Subscribers

  • Any citizen of India between 18-40 years can join.
  • Applicable for Non-Income Tax payers only.
  • Easy online registration options (Online/Offline Aadhaar).
Network

Eligibility for GDS Subscribers

  • Employees covered under SDBS are eligible to join.
  • Between 18-65 years can join.

FAQs on Retirement Plans

A retirement plan helps individuals save and invest systematically to ensure financial security after retirement.

A pension plan provides regular income during retirement after accumulating savings during working years.

NPS is a government-backed retirement plan offering tax benefits and market-linked returns.

Most retirement plans offer tax deductions under Section 80C or 80CCD of the Income Tax Act.

Returns depend on the type of plan; they can be fixed, market-linked, or a combination.