NPS ON UPSTOX

Start your retirement planning with NPS on Upstox

Explore and select from the top pension funds all in one app.

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NPS

4.5+

Average App Store Ratings

84%

Customer Satisfaction

Backed by

Backed by

Mr. Ratan Tata

What is an NPS Investment Plan?

The NPS (National Pension System) is a contribution defined pension system regulated by PFRDA (Pension Fund Regulatory Development Authority) and governed by the Ministry of Finance of the Government of India.

It helps you build a secure retirement corpus through regular, long-term investments in a mix of equity and debt instruments.

How NPS Investment Works?

The money you put in the NPS goes to an asset management firm, which further invests it into a mix of:

Equity (E): Market-based growth potential

Corporate Bonds (C): Stable returns from top-rated companies

Government Securities (G): Low-risk, long-term assets

Alternate Assets (A): Optional exposure to REITs/InvITs (Tier I only)

You can go for Auto Choice (allocation based on your choice) or Active Choice (investment as per your fund split).

*Note: All investments are managed by PFRDA-approved Pension Fund Managers.

NPS

Critical Benefits of NPS

Here are the most important benefits of investing in NPS through the Upstox app

Tax Benefits

Tax Benefits

Get deductions up to ₹2 lakh under Sec 80C and 80CCD(1B) (over the limits prescribed under Chapter VIA)

Attractive Returns

Attractive Returns

Market-linked growth through equity + debt mix

Safe & Regulated

Safe & Regulated

Backed by the Government of India & PFRDA

Fully Digital Journey

Fully Digital Journey

Open and manage your NPS account directly in the Upstox app

Low Cost

Low Cost

Among the lowest fund management charges in India

Best Pension Funds for NPS

Here are some of the best-performing NPS funds on Upstox.

ICICI Prudential Pension Funds Management Co Ltd

ICICI Prudential Pension Funds Management Co Ltd

Plan type
Aggressive
5-Year Avg. Return (Equity Option)*
12%
UTI Pension Fund Ltd

UTI Pension Fund Ltd

Plan type
Aggressive
5-Year Avg. Return (Equity Option)*
12%
Kotak Mahindra Pension Fund Ltd

Kotak Mahindra Pension Fund Ltd

Plan type
Aggressive
5-Year Avg. Return (Equity Option)*
12%
HDFC Pension Management Company Limited

HDFC Pension Management Company Limited

Plan type
Aggressive
5-Year Avg. Return (Equity Option)*
12%
LIC Pension Fund Ltd

LIC Pension Fund Ltd

Plan type
Aggressive
5-Year Avg. Return (Equity Option)*
12%

Who can invest in NPS?

If you meet the following criteria, you're eligible to start your NPS journey with Upstox

Indian citizen or NRI

Indian citizen or NRI

Age between 18 and 70 years

Age between 18 and 70 years

Must complete KYC verification

Must complete KYC verification

Valid mobile number and bank account

Valid mobile number and bank account

How do you invest in NPS on Upstox?

Investing in NPS on the Upstox app is simple. You can follow these steps

1

Download

Download the Upstox App from playstore

2

Log in

Log in using your Upstox credentials

3

NPS

Go to the NPS section under more section

4

Complete KYC

Complete your KYC (if not already done)

5

Choose

Select your pension fund manager & asset allocation

6

Start investing

Begin your NPS journey with just ₹500

Benefits of Investing in NPS on Upstox

Here are the most critical benefits of investing in NPS on Upstox

100% Digital Setup

100% Digital Setup

No paperwork, no in-person visits

Seamless Account Opening

Seamless Account Opening

Finish in minutes within the app

Low Entry Barrier and Flexible

Low Entry Barrier and Flexible

Start with ₹500 and scale as you grow

Trusted Platform

Trusted Platform

Backed by the Tata Group, 4.5★ App Rating

Real-Time Tracking

Real-Time Tracking

Monitor fund performance live

Dedicated Support

Dedicated Support

Assistance at every step

Try the Upstox NPS calculator

We will help your retirement planning with the NPS calculator.

₹
yrs
%

What are the NPS Withdrawal Rules?

At Retirement

At Retirement

Withdraw up to 60% tax-free; invest at least 40% in an annuity plan

Before Retirement

Before Retirement

Partial withdrawals (up to 25%) allowed after 3 years for specific needs

Exit Options

Exit Options

Full withdrawal at 60 with no penalties; early exit allowed after 10 years in Tier I

FAQs

What is NPS, and how does it work?

The National Pension System (NPS) is a government-backed retirement scheme that helps you build a long-term corpus through investments in equity, corporate bonds, and government securities, managed by expert pension fund managers.

Who is eligible to invest in NPS via Upstox?

Any Indian citizen or NRI aged between 18 and 70 with valid KYC and a bank account can open an NPS account on the Upstox app.

What are the tax benefits of investing in NPS?

You can claim deductions up to ₹2 lakh under Section 80C and 80CCD(1B), making NPS one of the most tax-efficient investment options.

How do I invest in NPS using the Upstox app?

Download the app, log in, complete your KYC, choose a pension fund and asset allocation, and start investing with just ₹500 all digitally.

Which pension funds are available on Upstox?

Top-performing funds like HDFC, SBI, ICICI, LIC, Tata, UTI, and others are available, giving you complete flexibility in fund manager selection.

Can I switch my fund manager or asset allocation later?

Yes, NPS allows you to change your fund manager and switch between Auto and Active choices for asset allocation directly through the app.

What are the NPS withdrawal rules?

At retirement, you can withdraw 60% of your corpus tax-free and use the remaining 40% to buy an annuity. Partial withdrawals are allowed after 3 years under specific conditions.

Is the Upstox NPS journey fully digital?

Yes, the entire process, from account opening to investment tracking, is 100% digital with real-time visibility and customer support.
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