Value Research Online

NPS now allows 100% equity -- but not your old money

Fri, 05 Jun 2026 14:21:38 +0530

NPS now allows 100 per cent equity under the new Multiple Scheme Framework, but only in a fresh account, with a 15-year lock-in and an unresolved tax question on the extra withdrawal.

Inheriting NPS is tax-free. Inheriting mutual funds isn't

Tue, 19 May 2026 15:45:51 +0530

A Rs 3.5 crore mutual fund portfolio can leave your nominee with a Rs 39 lakh tax bill. The same amount in NPS passes tax-free. Here is how the two products compare.

How to turn your NPS lumpsum into a 25-yr retirement income

Tue, 19 May 2026 10:09:07 +0530

PFRDA's new RIS lets you keep the 60 per cent lumpsum invested and draw it in instalments until 85, with the residual going to your nominee. Here is how it compares to an annuity.

How to revive your dormant NPS account

Thu, 14 May 2026 14:54:42 +0530

NPS accounts freeze when annual contributions fall below Rs 1,000. The bigger problem is the OTP. Here is the two-step fix when your registered phone or email no longer works.

I opened an NPS for the tax break. How do I get out?

Thu, 14 May 2026 13:24:15 +0530

Below Rs 5 lakh, you can now exit NPS with 100 per cent of your corpus. Above it, the annuity trap kicks in. Here is what PFRDA's 2025 amendment means for your account.

NPS Sanchay does the first step. The second is yours

Tue, 12 May 2026 12:38:59 +0530

The Sanchay default is right for year one. Switching to equity after three years delivers 30 per cent more monthly pension for life, on the same Rs 2,000 contribution.

You've been lied to about NPS contributions

Wed, 28 Jan 2026 18:06:40 +0530

Think missing an NPS contribution is costly? It is not. Here is what really happens when you pause your NPS investments, and why the flexibility is built in.

The one thing you must understand about NPS

Tue, 20 Jan 2026 18:32:04 +0530

NPS confusion clears once you start with the PRAN. Here’s how Tier I and Tier II accounts work under it, what each is meant for and why Tier I matters most.

Why NPS is worth a fresh look right now

Tue, 20 Jan 2026

NPS exit rules were eased in December 2025, reducing forced annuity and improving flexibility. Here’s why NPS now fits better into long-term retirement planning.

Is NPS the right fit for your retirement?

Mon, 12 Jan 2026 12:25:15 +0530

NPS is not meant for everyone. It rewards discipline and limits flexibility. Find out who NPS suits, who can skip it and how to decide whether to invest in NPS.

NPS isn't what most people think. Here's why

Mon, 05 Jan 2026 13:35:22 +0530

NPS is not just about tax savings or pensions. Understand why it exists, what problem it solves and how it fits into retirement planning.

New NPS: More freedom, less annuity, bigger retirement role

Fri, 19 Dec 2025 15:29:23 +0530

Recent NPS reforms cut mandatory annuity, add phased withdrawals and raise equity flexibility. Here’s how the new NPS rules change retirement planning for salaried investors.

NPS gets an upgrade with 100% equity option. What changes?

Wed, 01 Oct 2025 20:20:37 +0530

The National Pension System gets a major overhaul: 100% equity option, shorter lock-in, multiple schemes and more. Here’s what changes for investors.

Best NPS fund manager in last 10 years

Mon, 23 Jun 2025 18:00:00 +0530

Find out which NPS fund managers delivered the best 10-year returns in equity, corporate debt and government bonds. Build a smarter retirement portfolio today.

Can you exit NPS before 60? Here's what the rules say

Thu, 19 Jun 2025 18:00:00 +0530

NPS allows early exit only after 5 years. If your corpus is over Rs 2.5 lakh, 80 per cent must go into an annuity. Know the rules before making a move.

How to unfreeze your NPS account?

Fri, 25 Apr 2025 12:07:53 +0530

Have you checked your NPS recently? It may have frozen. So, let’s find out how to unfreeze your NPS account.

NPS investor? Don't make this mistake

Mon, 13 Jan 2025 15:46:21 +0530

Auto choice vs active choice in NPS and why auto choice can limit long-term returns. Active choice of NPS is better for investors.

Should you invest in NPS Vatsalya?

Tue, 29 Oct 2024 19:14:36 +0530

We run the rule over NPS Vatsalya, a new product launched by NPS, to see if it’s a suitable retirement option for your children.

NPS Vatsalya: All you need to know

Thu, 19 Sep 2024 14:57:14 +0530

Start saving for your child's retirement with NPS Vatsalya before they turn 18. Learn how to contribute, investment options, withdrawal rules, and how to open an account through eNPS or major banks.

Rs 25,000-1 lakh starting salary? Calculating UPS pension and NPS retirement corpus

Wed, 11 Sep 2024 12:53:42 +0530

Compare UPS and NPS pension schemes for government employees. Understand how much pension you'll get with a salary between Rs 25,000 and Rs 1 lakh.