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National Pension System (NPS)

Enjoy a Worry‑Free Retirement With Tax Benefits. Secure your future with NPS and save up to ₹50,000 Lakh in taxes! Invest in a government-backed, low-cost retirement scheme with flexible fund options.

National Pension System illustration

Tell us a bit about yourself

Once we know you, we'll find the right NPS fund for you.

years
₹

Investing ₹3,00,000/year from age 30 means 30 years of compounding until retirement at 60.

Choose your Investment Strategy

With NPS, choose the fund type based on your expected corpus and risk tolerance.

Understanding NPS Asset Allocation

Know where your money goes before investing.

Equity Allocation

Funds invested in equity markets based on fund type and investment choice. In Active Choice, up to 75% can go into equities.

Government Bonds

Safe, low-risk, stable returns. Government-backed with minimal credit risk ideal for risk-averse investors.

Corporate Bonds

Safer than equities but riskier than government securities. Reduces portfolio volatility and compensates during market downturns.

Diversification Benefits

NPS shields against market downturns by diversifying across asset classes, preventing substantial losses from a pure equity approach.

NPS vs PPF vs ELSS vs EPF

Compare key features to choose the right retirement and tax-saving instrument.

Features
NPS
PPF
ELSS
EPF
What it is
Govt-backed retirement scheme. Market-linked, you choose equity/debt mix
Govt savings scheme. Fixed returns, fully sovereign-backed
Equity mutual fund with tax benefit under 80C. Market-linked
Mandatory retirement fund for salaried employees. Employer + employee contribute
Best for
Anyone wanting equity growth + retirement focus + extra tax break
Risk-averse savers wanting guaranteed returns
Tax-savers wanting equity exposure with shortest lock-in
Salaried employees (automatic, mandatory)
Min. Contribution
₹500/yr
₹500/yr (max ₹1.5L/yr)
₹500/SIP
12% of Basic+DA (mandatory)
Expected Return
12% – 14% p.a
7.1% (Fixed) p.a
12% – 15% p.a
8.25% (Fixed) p.a
Lock-in Period
Until age 60
15 Years
3 Years
Until Retirement
Tax Deductions(Old Regime only)
₹1.5L + extra ₹50K*
₹1.5L + tax-free interest
₹1.5 Lakh
₹1.5L + tax-free after 5 yrs
Equity exposure
Up to 75% (you choose)
None
100%
None
Liquidity
Moderate (4 partial withdrawals after 3 yrs)
Low
Low
Moderate (partial withdrawals)

*Extra ₹50,000 deduction is exclusive to NPS under Section 80CCD(1B).

How to Start Your NPS Investment on Upstox

Get started in 5 simple steps.

  1. Download the Upstox App

  2. Go to NPS Segment

  3. Choose Investment Amount

  4. Select NPS Fund Type

  5. Review & Invest

FAQs

What is NPS and how does it work?

NPS is a government-backed retirement savings scheme. It allows you to contribute regularly, and the accumulated corpus is invested in diversified portfolios. At retirement, you can withdraw a portion and the rest is used to purchase an annuity for a regular pension. This is a monthly payment that you will get as your post retirement income.