Everything You Want to Know About NPS | National Pension System | India's Retirement Pension Scheme

From its modest beginnings, the National Pension System or NPS has now grown to almost 9 lakh crores in AUM. Today, this essential retirement income scheme has over 30 lakh subscribers in the all-citizen category and most additions in the 25 to 35 year age group with 28% being women. In this video, I shall explore 11 key aspects of the National Pension Scheme (as its incorrectly called) which will provide valuable information to an existing subscriber and also anyone who is still exploring it as a retirement investment option.

Some of the topics covered in this video includes
1. Benefits of NPS which includes a low-cost structure, tax breaks for individuals, market-linked returns, easy portability and professional management
2. Eligibility which covers resident Indians, NRIs, OCIs, PIOs, HUF etc.
3. Types of NPS accounts and the difference between Tier-1 NPS and Tier-2 NPS accounts
4. Asset Classes which includes Class E (Equity), Class G (Government Securities), Class C (Corporate Debt) and Class A (Alternative Investment Funds)
5. Difference between auto choice and active choice
6. Pension Fund Managers and their performance across time period and asset classes
7. How to Open an NPS account either online or offline
8. How to Operate an NPS account
9. Withdrawals where we examine our options before and after retirement including partial withdrawals
10. Annuities and how the subscriber can secure a fixed monthly income during one's retirement years
11. Taxation rules on NPS contributions, returns, and withdrawals

👉 Open your NPS a/c with Fisdom:

👉 Video Chapters:
00:00 National Pension System
01:01 1. Eligibility & Benefits
02:20 2. NPS Fund Architecture
04:08 3. Asset Classes
05:18 4. NPS Auto Choice vs Active Choice
08:39 5. Performance of NPS Funds
11:59 6. Pension Fund Managers in India
13:56 7. Enrolling into NPS
15:24 8. Operating your NPS Account
16:53 9. NPS Withdrawal Rules
19:34 10. Annuities and Pension
22:01 11. NPS Taxation
25:12 Shankar's Viewpoint

👉 Useful Reading Resources:

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#nps #nationalpensionsystem #nationalpensionscheme #retirementplanning #pension

Disclaimer: I am not a SEBI registered investment advisor or research analyst. I am not registered with PFRDA or IRDA either. The content posted on this platform is purely for educational purposes and none of it constitutes investing or trading advice. Viewers should do their own research and diligence before investing or acting on the information presented

[starboy]

Your command over English, the break down of NPS and to put down all points in simple layman's term is commendable, plus, not to forget the hard work on research and presentation is impeccable, ❤

[rohancoepmech]

There is no INSIGHTFUL AND better video on NPS THAN THIS... AMAZING Shankar continues to be the best and better than the rest. ALWAYS

[genericstospecifics]

I was looking at videos about nps just this morning, today is my lucky day

[rammani]

This video has given me better information than my own company finance team. Thanks a lot!!

[sriramsoundhrapandyan]

Minimum contribution in TIER 1 NPS account per year is INR 1000 Sir..
Your presentation was excellent and timely since i had joined ICICI PRU PFM as their Pension Advisor only recently and needed clear information to take the concept forward and to my Clients.
I am a Mutual Funds Distributor Sir..
Thank You.🌷🌹

[yjtalksfromheart]

Really nice video, I searched for multiple videos for NPS. Here is what stood out for me in this video -
The video is running at such a steady pace that we can get involved yet not feel that the video is running. Reminds me of my days in graduation, there is always that one teacher who explains in a calm manner, thank you!

[naveenkumarsharma]

Pension part should be tax free and managed by PFRDA or Central Government …… because no one can predict what will happen if private annuity manager company defaults or could not manage regular Pension Payouts.

[teammoneymatters]

Dear Sir, thank you for creating such insightful content. One correction - as of this year, we're allowed to select different managers for different schemes. I myself have selected LIC for "G", while HDFC for all others.

[adityasinha]

Hi Shankar, great and informative videos as always. Just a point on the scheme managers. I believe now it is allowed to choose 3 different managers for Asset Class E, C and G. However, Asset Class A has to be a manager from one of the 3 chosen for other asset classes.

[ragupathi]

Searching details about NPS, Your video gives more clarity on NPS, Thank you.

[aganguly]

Excellent Video, Mr. Shankar. Simple, straight forward and comprehensive. Thanks.

[dpacsaml]

The amount of research that must have gone into making this video! So informative. This should be behind a paywall. Can’t believe this is free.

[balwantgusain]

This is the best of the best presentation on NPS. Your value addition is wonderful.🎉🎉❤❤😀😀

[srihariprasad]

Provided good exposure towards NPS. Good job sir. Thanks 👍🏻

[phanishtn]

Absolutely detailed view of NPS...Appreciate the research and thoughts put forward

[jwhoami]

One of the most lucid presenters out there - Thank you. 🙏

[veeramanir]

Complete and fantastic video of about NPS so far among watched by me 😅

[liuxian]

Govt must make NPS more attractive. In its present form, its just not good enough. I have seen college Professors, school principals & state govt employees getting pension equal to minimum wage post retirement. People would keep demanding return to old pension system if this continues.

[somshridhar]

Best explanation ever First time I understood clearly. Thanks

[szsouvikzs]

Wow Shankar ji, such a detailed video. I can only imagine the amount of efforts you have put into it. Hats off to you sir.