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class="firstHeading mw-first-heading"><span class="mw-page-title-main">National Pension System</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Go to an article in another language. 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data-language-local-name="Hindi" class="interlanguage-link-target"><span>हिन्दी</span></a></li><li class="interlanguage-link interwiki-ml mw-list-item"><a href="https://ml.wikipedia.org/wiki/%E0%B4%A8%E0%B4%BE%E0%B4%B7%E0%B4%A3%E0%B5%BD_%E0%B4%AA%E0%B5%86%E0%B5%BB%E0%B4%B7%E0%B5%BB_%E0%B4%B8%E0%B4%BF%E0%B4%B8%E0%B5%8D%E0%B4%B1%E0%B5%8D%E0%B4%B1%E0%B4%82" title="നാഷണൽ പെൻഷൻ സിസ്റ്റം – Malayalam" lang="ml" hreflang="ml" data-title="നാഷണൽ പെൻഷൻ സിസ്റ്റം" data-language-autonym="മലയാളം" data-language-local-name="Malayalam" class="interlanguage-link-target"><span>മലയാളം</span></a></li><li class="interlanguage-link interwiki-mr mw-list-item"><a href="https://mr.wikipedia.org/wiki/%E0%A4%B0%E0%A4%BE%E0%A4%B7%E0%A5%8D%E0%A4%9F%E0%A5%8D%E0%A4%B0%E0%A5%80%E0%A4%AF_%E0%A4%AA%E0%A5%87%E0%A4%A8%E0%A5%8D%E0%A4%B6%E0%A4%A8_%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE" title="राष्ट्रीय पेन्शन योजना – Marathi" lang="mr" hreflang="mr" data-title="राष्ट्रीय पेन्शन योजना" data-language-autonym="मराठी" data-language-local-name="Marathi" class="interlanguage-link-target"><span>मराठी</span></a></li><li class="interlanguage-link interwiki-or mw-list-item"><a href="https://or.wikipedia.org/wiki/%E0%AC%B0%E0%AC%BE%E0%AC%B7%E0%AD%8D%E0%AC%9F%E0%AD%8D%E0%AC%B0%E0%AD%80%E0%AD%9F_%E0%AC%AA%E0%AD%87%E0%AC%A8%E0%AC%B8%E0%AC%A8_%E0%AC%AA%E0%AD%8D%E0%AC%B0%E0%AC%A3%E0%AC%BE%E0%AC%B3%E0%AD%80" title="ରାଷ୍ଟ୍ରୀୟ ପେନସନ ପ୍ରଣାଳୀ – Odia" lang="or" hreflang="or" data-title="ରାଷ୍ଟ୍ରୀୟ ପେନସନ ପ୍ରଣାଳୀ" data-language-autonym="ଓଡ଼ିଆ" data-language-local-name="Odia" class="interlanguage-link-target"><span>ଓଡ଼ିଆ</span></a></li><li class="interlanguage-link interwiki-ta mw-list-item"><a href="https://ta.wikipedia.org/wiki/%E0%AE%A4%E0%AF%87%E0%AE%9A%E0%AE%BF%E0%AE%AF_%E0%AE%93%E0%AE%AF%E0%AF%8D%E0%AE%B5%E0%AF%82%E0%AE%A4%E0%AE%BF%E0%AE%AF%E0%AE%A4%E0%AF%8D_%E0%AE%A4%E0%AE%BF%E0%AE%9F%E0%AF%8D%E0%AE%9F%E0%AE%AE%E0%AF%8D" title="தேசிய ஓய்வூதியத் திட்டம் – Tamil" lang="ta" hreflang="ta" data-title="தேசிய ஓய்வூதியத் திட்டம்" data-language-autonym="தமிழ்" data-language-local-name="Tamil" class="interlanguage-link-target"><span>தமிழ்</span></a></li><li class="interlanguage-link interwiki-te mw-list-item"><a href="https://te.wikipedia.org/wiki/%E0%B0%9C%E0%B0%BE%E0%B0%A4%E0%B1%80%E0%B0%AF_%E0%B0%AA%E0%B0%BF%E0%B0%82%E0%B0%9A%E0%B0%A8%E0%B1%81_%E0%B0%AA%E0%B0%A5%E0%B0%95%E0%B0%82" title="జాతీయ పించను పథకం – Telugu" lang="te" hreflang="te" data-title="జాతీయ పించను పథకం" data-language-autonym="తెలుగు" data-language-local-name="Telugu" class="interlanguage-link-target"><span>తెలుగు</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q13118221#sitelinks-wikipedia" title="Edit interlanguage links" class="wbc-editpage">Edit links</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> <div class="vector-page-toolbar-container"> <div id="left-navigation"> <nav 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20 years ago</span><span style="display:none"> (<span class="bday dtstart published updated">2004-01-01</span>)</span></td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;">Type</th><td class="infobox-data">Pension cum investment scheme launched by <a href="/wiki/Government_of_India" title="Government of India">Government of India</a></td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;">Legal status</th><td class="infobox-data">Regulated by <a href="/wiki/Pension_Fund_Regulatory_and_Development_Authority" title="Pension Fund Regulatory and Development Authority">Pension Fund Regulatory and Development Authority</a></td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;">Purpose</th><td class="infobox-data">Provide defined-contribution based pension for retirees and extend old age security coverage to all citizens</td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;">Headquarters</th><td class="infobox-data"><a href="/wiki/New_Delhi" title="New Delhi">New Delhi</a></td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;">Location</th><td class="infobox-data label"><style data-mw-deduplicate="TemplateStyles:r1126788409">.mw-parser-output .plainlist ol,.mw-parser-output .plainlist ul{line-height:inherit;list-style:none;margin:0;padding:0}.mw-parser-output .plainlist ol li,.mw-parser-output .plainlist ul li{margin-bottom:0}</style><div class="plainlist"><ul><li><span class="locality">NPS Trust; 14th Floor, IFCI Tower, 61, Nehru Place, New Delhi, Delhi 110019</span></li></ul></div></td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;">Products</th><td class="infobox-data"> <ul><li>NPS-Central Govt.</li> <li>NPS-State Govt.</li> <li>NPS-Corporate Sector</li> <li>NPS-All Citizens of India (<i>since May 1, 2009<span class="noprint">; 15 years ago</span><span style="display:none"> (<span class="bday dtstart published updated">2009-05-01</span>)</span></i>)</li> <li>NPS Lite (<i>since April 1, 2010<span class="noprint">; 14 years ago</span><span style="display:none"> (<span class="bday dtstart published updated">2010-04-01</span>)</span></i>)</li> <li>NPS Swavalamban and</li> <li>Atal Pension Yojana (APY) (<i>since June 1, 2015<span class="noprint">; 9 years ago</span><span style="display:none"> (<span class="bday dtstart published updated">2015-06-01</span>)</span></i>)</li></ul> </td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Membership <style data-mw-deduplicate="TemplateStyles:r886047488">.mw-parser-output .nobold{font-weight:normal}</style><span class="nobold">(30 April 2023)</span> </div></th><td class="infobox-data">6,35,43,628 Subscribers</td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;"><a href="/wiki/Assets_under_management" title="Assets under management">AUM</a></div></th><td class="infobox-data"><span typeof="mw:File"><span title="Increase"><img alt="Increase" src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/11px-Increase2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/17px-Increase2.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/22px-Increase2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> <span class="nowrap"><span style="white-space: nowrap">₹</span>898,954 crore</span> (US$110 billion) (April 2023)</td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Government Sector Subscribers (April 2023)</div></th><td class="infobox-data"> <ul><li>Union Govt Employees 24,06,216</li> <li>State Govt Employees 61,19,900</li></ul> </td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Private Sector Subscribers (April 2023)</div></th><td class="infobox-data"> <ul><li>Corporate Employees 17,14,011</li> <li>Unorganized 29,83,484</li></ul> </td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Other Subscribers (April 2023)</div></th><td class="infobox-data"> <ul><li>NPS Swavalamban 41,73,888</li> <li>Atal Pension Yojana 4,61,46,129</li></ul> </td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Parent organization</div></th><td class="infobox-data">NPS Trust</td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;">Affiliations</th><td class="infobox-data"> <ul><li>Central Record Keeping Agency (CRA)</li> <li>Pension Funds (PFs)</li> <li>Trustee Bank (TB)</li> <li>Points of Presence (PoPs)</li> <li>Custodian</li> <li>Retirement Advisor</li> <li>Annuity Service Provider</li></ul> </td></tr><tr><th scope="row" class="infobox-label" style="padding-right:0.6em;">Website</th><td class="infobox-data"><a rel="nofollow" class="external free" href="https://npstrust.org.in/">https://npstrust.org.in/</a></td></tr><tr><td colspan="2" class="infobox-below" style="border-top:#aaa 1px solid;">Department of Financial Services, <a href="/wiki/Ministry_of_Finance_(India)" title="Ministry of Finance (India)">Ministry of Finance</a> - <a href="/wiki/Government_of_India" title="Government of India">Government of India</a></td></tr></tbody></table> <p>The <b>National Pension System</b> (<b>NPS</b>) is a defined-contribution <a href="/wiki/Pension" title="Pension">pension</a> system in <a href="/wiki/India" title="India">India</a> regulated by the <a href="/wiki/Pension_Fund_Regulatory_and_Development_Authority" title="Pension Fund Regulatory and Development Authority">Pension Fund Regulatory and Development Authority</a> (PFRDA) which is under the <a href="/wiki/Jurisdiction" title="Jurisdiction">jurisdiction</a> of the <a href="/wiki/Ministry_of_Finance_(India)" title="Ministry of Finance (India)">Ministry of Finance</a> of the <a href="/wiki/Government_of_India" title="Government of India">Government of India</a>.<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> <b>National Pension System Trust</b> (<b>NPS Trust</b>) was established by PFRDA as per the provisions of the Indian Trusts Act of 1882 to take care of the assets and funds under this scheme for the best interest of the subscriber.<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> </p><p>NPS Trust is the registered owner of all assets under the NPS architecture which is held for the benefit of the subscribers under NPS. The securities are purchased by Pension Funds on behalf of, and in the name of the Trustees, however individual NPS subscribers remain the beneficial owner of the securities, assets, and funds. NPS Trust, under the NPS Trust regulations, is responsible for monitoring the operational and functional activities of NPS intermediaries’ viz. custodian, Pension Funds, Trustee Bank, Central Recordkeeping Agency, Point of Presence, Aggregators, and of IRDAI registered Annuity Service Providers (empanelled with PFRDA) and also for providing directions/advisory to PF(s) for protecting the interest of subscribers, ensuring compliance through an audit by Independent Auditors, and Performance review of Pension Funds etc. </p><p>National Pension System, like <a href="/wiki/Public_Provident_Fund_(India)" title="Public Provident Fund (India)">PPF</a> and <a href="/wiki/Employees%27_Provident_Fund_Organisation" title="Employees' Provident Fund Organisation">EPF</a>, is an EEE (Exempt-Exempt-Exempt) instrument in India where the entire corpus escapes tax at maturity and the entire pension withdrawal amount is tax-free.<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> </p><p>The <b>New Pension Scheme</b> was implemented with the decision of the <a href="/wiki/Government_of_India" title="Government of India">Union Government</a> to replace the <a href="/wiki/Old_Pension_Scheme" title="Old Pension Scheme">Old Pension Scheme</a> which had defined-benefit pensions for all its employees. Notification No. 5/7/2003-ECB issued by the Ministry of Finance (<a href="/wiki/Department_of_Economic_Affairs_(India)" class="mw-redirect" title="Department of Economic Affairs (India)">Department of Economic Affairs</a>) in a Press Release dated 22 December 2003 mandated NPS for all new recruits (except armed forces) joining government services from 1 January 2004<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> While the scheme was initially designed for government employees only, it was opened up for all citizens of India between the age of 18 and 65 in 2009, for OCI card holders and PIO's in October 2019.<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> On 26 August 2021, PFRDA increased the entry age for the National Pension System (NPS) from 65 years to 70 years. As per the revised norms, any Indian Citizen, resident or non-resident, and Overseas Citizen of India (OCI) between the age of 18–70 years can join NPS and continue or defer their NPS Account up to the age of 75 years.<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> It is administered and regulated by the <a href="/wiki/Pension_Fund_Regulatory_and_Development_Authority" title="Pension Fund Regulatory and Development Authority">Pension Fund Regulatory and Development Authority (PFRDA)</a>.<sup id="cite_ref-auto3_7-0" class="reference"><a href="#cite_note-auto3-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-auto_8-0" class="reference"><a href="#cite_note-auto-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-auto2_9-0" class="reference"><a href="#cite_note-auto2-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-auto1_10-0" class="reference"><a href="#cite_note-auto1-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup> </p><p>On 10 December 2018, the Government of India made NPS an entirely tax-free instrument in India where the entire corpus escapes tax at maturity; the 40% annuity also became tax-free.<sup id="cite_ref-11" class="reference"><a href="#cite_note-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> Any individual who is a subscriber of NPS can claim tax benefit for Tier-I account under Sec 80 CCD (1) within the overall ceiling of ₹1.5 lakhs under Sec 80 C of Income Tax Act. 1961.<sup id="cite_ref-12" class="reference"><a href="#cite_note-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup> An additional deduction for investment up to ₹50,000 in NPS (Tier I account) is available exclusively to NPS subscribers under subsection 80CCD (1B).<sup id="cite_ref-13" class="reference"><a href="#cite_note-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-auto3_7-1" class="reference"><a href="#cite_note-auto3-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-auto_8-1" class="reference"><a href="#cite_note-auto-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-auto2_9-1" class="reference"><a href="#cite_note-auto2-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup> The changes in NPS was notified through changes in <a href="/wiki/The_Income-tax_Act,_1961" title="The Income-tax Act, 1961">The Income-tax Act, 1961</a>, during the 2019 <a href="/wiki/Union_budget_of_India" title="Union budget of India">Union budget of India</a>.<sup id="cite_ref-14" class="reference"><a href="#cite_note-14"><span class="cite-bracket">[</span>14<span class="cite-bracket">]</span></a></sup> There is no tax benefit on investment towards Tier II NPS Account. NPS is limited EEE, to the extent of 60%.<sup id="cite_ref-15" class="reference"><a href="#cite_note-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup> 40% has to be compulsorily used to purchase an <a href="/wiki/Annuity" title="Annuity">annuity</a>, which is taxable at the applicable tax slab.<sup id="cite_ref-auto1_10-1" class="reference"><a href="#cite_note-auto1-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup> In 2021, withdrawal rules at the time of maturity was changed, and a person can withdraw entire NPS corpus lump sum if it is Rs 5 lakh or less, but 40% will be taxable.<sup id="cite_ref-16" class="reference"><a href="#cite_note-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-17" class="reference"><a href="#cite_note-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup> </p><p>Contributions to NPS receive tax exemptions under Section 80C, Section 80CCC, and Section 80CCD(1) of the <a href="/wiki/The_Income-tax_Act,_1961" title="The Income-tax Act, 1961">Income Tax Act</a>. Starting from 2016, an additional tax benefit of Rs 50,000 under Section 80CCD(1b) is provided under NPS, which is over the ₹1.5 lakh exemption of Section 80C.<sup id="cite_ref-18" class="reference"><a href="#cite_note-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-19" class="reference"><a href="#cite_note-19"><span class="cite-bracket">[</span>19<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-20" class="reference"><a href="#cite_note-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> Private fund managers are important parts of NPS.<sup id="cite_ref-21" class="reference"><a href="#cite_note-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-22" class="reference"><a href="#cite_note-22"><span class="cite-bracket">[</span>22<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-23" class="reference"><a href="#cite_note-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> NPS is considered one of the best tax saving instruments after 40% of the corpus was made tax-free at the time of maturity and it is ranked just below <a href="/wiki/Equity-linked_savings_scheme" class="mw-redirect" title="Equity-linked savings scheme">equity-linked savings scheme</a> (ELSS).<sup id="cite_ref-24" class="reference"><a href="#cite_note-24"><span class="cite-bracket">[</span>24<span class="cite-bracket">]</span></a></sup> </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Background">Background</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=National_Pension_System&action=edit&section=1" title="Edit section: Background"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The National Pension System (NPS) is a voluntary defined contribution pension system administered and regulated by the <a href="/wiki/Pension_Fund_Regulatory_and_Development_Authority" title="Pension Fund Regulatory and Development Authority">Pension Fund Regulatory and Development Authority</a> (PFRDA), created by an Act of the Parliament of India. The NPS started with the decision of the Government of India to stop defined benefit pensions for all its employees who joined after 1 January 2004. While the scheme was initially designed for government employees only, it was opened up for all citizens of India in 2009. NPS is an attempt by the government to create a pensioned society in India. Today, the NPS is readily available and tax efficient under Section 80CCC and Section 80CCD. Under the NPS, an individual can contribute to his retirement account. Also, his employer can contribute to the welfare and social security of the individual. </p><p>NPS is a quasi-EET instrument in India where 40% of the corpus escapes tax at maturity, while 60% of the corpus is taxable.<sup id="cite_ref-auto3_7-2" class="reference"><a href="#cite_note-auto3-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-auto_8-2" class="reference"><a href="#cite_note-auto-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-auto2_9-2" class="reference"><a href="#cite_note-auto2-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup> Of the 60% taxable corpus, 40% is tax-exempt as it has to be compulsorily used to purchase an <a href="/wiki/Annuity" title="Annuity">annuity</a>.<sup id="cite_ref-auto1_10-2" class="reference"><a href="#cite_note-auto1-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup> The <a href="/wiki/Annuity" title="Annuity">annuity</a> income will be taxed, though. The remaining 20% alone will now be taxed at slab rates on withdrawal.<sup id="cite_ref-25" class="reference"><a href="#cite_note-25"><span class="cite-bracket">[</span>25<span class="cite-bracket">]</span></a></sup> In <a href="/wiki/2017_Union_budget_of_India" title="2017 Union budget of India">2017 Union budget of India</a>, 25% exemption of the contribution made by an employee has been announced as a form of premature partial withdrawal in NPS.<sup id="cite_ref-26" class="reference"><a href="#cite_note-26"><span class="cite-bracket">[</span>26<span class="cite-bracket">]</span></a></sup> This amendment will take effect on 1 April 2018 and will, accordingly, apply in relation to the assessment year 2018-19.<sup id="cite_ref-27" class="reference"><a href="#cite_note-27"><span class="cite-bracket">[</span>27<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-28" class="reference"><a href="#cite_note-28"><span class="cite-bracket">[</span>28<span class="cite-bracket">]</span></a></sup> NPS is a market-linked annuity product.<sup id="cite_ref-29" class="reference"><a href="#cite_note-29"><span class="cite-bracket">[</span>29<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Regulatory_framework">Regulatory framework</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=National_Pension_System&action=edit&section=2" title="Edit section: Regulatory framework"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In 1999, the Government of India initiated the OASIS project, aimed at reviewing policies related to old age income security within the nation.<sup id="cite_ref-:0_30-0" class="reference"><a href="#cite_note-:0-30"><span class="cite-bracket">[</span>30<span class="cite-bracket">]</span></a></sup> As a result, the Defined Contribution Pension System was introduced for new entrants to Central/State Government service, except for the Defence forces, replacing the earlier Defined Benefit Pension System.<sup id="cite_ref-:0_30-1" class="reference"><a href="#cite_note-:0-30"><span class="cite-bracket">[</span>30<span class="cite-bracket">]</span></a></sup> </p><p>On 23 August 2003, the Interim Pension Fund Regulatory & Development Authority (PFRDA) was established by the Government of India to oversee pension funds and protect subscribers' interests. The PFRDA Act of 2013 officially confirmed PFRDA as the regulator for the Indian pension sector, effective from 1 February 2014.<sup id="cite_ref-:1_31-0" class="reference"><a href="#cite_note-:1-31"><span class="cite-bracket">[</span>31<span class="cite-bracket">]</span></a></sup> Notably, other entities like Employee Provident Fund, pension funds by life insurers, and mutual fund firms are beyond PFRDA's scope.<sup id="cite_ref-:1_31-1" class="reference"><a href="#cite_note-:1-31"><span class="cite-bracket">[</span>31<span class="cite-bracket">]</span></a></sup> </p><p>The contributory pension system, later termed the National Pension System (NPS), began on 22 December 2003, applied from 1 January 2004. It expanded to all Indian citizens, including self-employed professionals and the unorganised sector from 1 May 2009, on a voluntary basis.<sup id="cite_ref-32" class="reference"><a href="#cite_note-32"><span class="cite-bracket">[</span>32<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Architecture">Architecture</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=National_Pension_System&action=edit&section=3" title="Edit section: Architecture"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Unlike traditional financial products where all the functions (sales, operations, service, fund management, depository) are done by one company, NPS follows an unbundled architecture where each step of the value chain has been made disjointed from the other. This unbundling not only allows the customer to mix and match his providers of service through the value chain, picking the best-suited option, but it also curbs the incidence of misselling. </p><p>NPS architecture consists of the NPS Trust, which is entrusted with safeguarding subscribers' interests, three Central Recordkeeping Agencies (CRAs) which maintain the data and records, Point of Presence (PoP) as collection, distribution and servicing arms, Pension Fund Managers (PFM) for managing the investments of subscribers, a Custodian to take care of the assets purchased by the fund managers, and a Trustee Bank to manage the banking operations. At age 60 the customer can choose to purchase pension Annuity Service Providers (ASP). In 2017, PFRDA increased the entry age in NPS to 70 years, from earlier upper age limit of 65 years. <sup id="cite_ref-33" class="reference"><a href="#cite_note-33"><span class="cite-bracket">[</span>33<span class="cite-bracket">]</span></a></sup> <sup id="cite_ref-34" class="reference"><a href="#cite_note-34"><span class="cite-bracket">[</span>34<span class="cite-bracket">]</span></a></sup> </p><p>There are eleven Pension Fund Managers (PFMs) in NPS,<sup id="cite_ref-35" class="reference"><a href="#cite_note-35"><span class="cite-bracket">[</span>35<span class="cite-bracket">]</span></a></sup> out of which SBI Pension Funds is the largest. All the major commercial banks, brokers and stock holding corporations perform the role of PoP. The subscriber can choose any one of them. </p><p>Initially, government employees had no say in the matter of choice of fund manager or investment allocation in NPS, as both are decided by the government. In the default Standard scheme, NPS contributions of government employees is distributed evenly across three public sector fund managers : SBI Pension Funds, LIC Pension Fund, and UTI Pension Fund. Now, government can choose from additional choices (LC-50, LC-25, Scheme G). </p><p>The subscriber can choose to invest either, wholly or in combination, in four types of investment schemes offered by the pension fund managers. These are: </p> <ul><li>Scheme E (equity and related instruments): maximum 75% equity exposure</li> <li>Scheme C (corporate bonds and related instruments): no upper limit, invests only in high-quality corporate bonds</li> <li>Scheme G (government securities and related instruments): no upper limit, invests only in government bonds up to 100%</li> <li>Scheme A (alternative investment funds) which allows up to 5% (newly added asset class only for private sector subscriber with active choice)</li></ul> <p>The subscriber can either specify the percentage allocation herself with Active Choice or may choose from four predefined life cycle fund options under Auto Choice. These are: </p> <ul><li>LC-75 (Aggressive Life cycle Fund): maximum 75% is invested in equity; equity exposure decreases gradually as the subscriber turns 36 and continues to do so till her 55th birthday.</li> <li>LC-50 (Moderate Life cycle Fund): maximum 50% is invested in equity; equity exposure decreases gradually as the subscriber turns 36 and continues to do so till her 55th birthday.</li> <li>LC-25 (Conservative Life cycle Fund): maximum 25% is invested in equity; equity exposure decreases gradually as the subscriber turns 36 and continues to do so till her 55th birthday.</li> <li>BLC (Balanced Life cycle Fund): maximum 50% is invested in equity; equity exposure decreases gradually as the subscriber turns 46 and continues to do so till her 55th birthday.</li></ul> <p>This re-balancing of portfolio takes place on subscriber's birthday. </p><p>NPS offers two types of accounts to its subscribers: </p> <ul><li>Tier I:The primary account, which is a pension account which has restrictions on withdrawals and utilization of accumulated corpus. All the tax breaks that NPS offers are applicable only to Tier I accounts.<sup id="cite_ref-36" class="reference"><a href="#cite_note-36"><span class="cite-bracket">[</span>36<span class="cite-bracket">]</span></a></sup></li> <li>Tier II: In order to introduce some liquidity to the scheme, the PFRDA allows for a Tier II account where subscribers with pre-existing Tier I accounts can deposit and withdraw money as and when they want. NPS Tier II is an investment account, similar to a mutual fund in characteristics, but offers no exit load, no commissions, good returns.<sup id="cite_ref-37" class="reference"><a href="#cite_note-37"><span class="cite-bracket">[</span>37<span class="cite-bracket">]</span></a></sup> A Tier II Tax Saver Account offers tax benefits to central government employees under Section 80C but has partial liquidity.</li></ul> <p>The contribution to voluntary savings account (also called Tier-II account) can only be made by the subscriber and not by any third party.<sup id="cite_ref-38" class="reference"><a href="#cite_note-38"><span class="cite-bracket">[</span>38<span class="cite-bracket">]</span></a></sup> </p><p>Upon exit, subscriber re-invests a portion of the accumulated corpus is an annuity plan which provides the guaranteed lifelong pension. There are fifteen annuity service providers (ASPs) for subscribers to choose from. </p> <div class="mw-heading mw-heading2"><h2 id="Who_can_join">Who can join</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=National_Pension_System&action=edit&section=4" title="Edit section: Who can join"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>A citizen of India, whether resident or non-resident or an OCI cardholder can join NPS (Through a circular issued on 29 October 2019 PFRDA has stated that now Overseas Citizen of India (OCIs) can enrol to invest in NPS tier-1 accounts), subject to the following conditions: </p> <ul><li>The subscriber should be between 18 and 70 years old as of the date of submission of his/her application to the Point of Presence (POP) / Point of Presence–Service Provider-Authorized branches of POP for NPS (POP-SP).<sup id="cite_ref-39" class="reference"><a href="#cite_note-39"><span class="cite-bracket">[</span>39<span class="cite-bracket">]</span></a></sup></li> <li>The subscribers should comply with the Know Your Customer (KYC) norms as detailed in the subscriber registration form.</li> <li>Should not be Un-discharged insolvent and individuals of unsound mind.</li> <li>A non-resident can open an account, but the account will be closed if the citizenship status of the NRI has been changed.<sup id="cite_ref-40" class="reference"><a href="#cite_note-40"><span class="cite-bracket">[</span>40<span class="cite-bracket">]</span></a></sup></li> <li>As per circular No: PFRDA/2021/36/SUP-CRA/14 Dated:26.08.2021, those Subscribers who have closed their NPS Accounts are permitted to open a new NPS Account as per increased age eligibility norms, ie. From 65 years to 70 years.<sup id="cite_ref-41" class="reference"><a href="#cite_note-41"><span class="cite-bracket">[</span>41<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-42" class="reference"><a href="#cite_note-42"><span class="cite-bracket">[</span>42<span class="cite-bracket">]</span></a></sup></li> <li>Parents / guardians of minor Indian citizens (age 0-18 years) can open an NPS Vatsalya Account for their children / wards. <sup id="cite_ref-43" class="reference"><a href="#cite_note-43"><span class="cite-bracket">[</span>43<span class="cite-bracket">]</span></a></sup></li></ul> <div class="mw-heading mw-heading2"><h2 id="Subscriber_base">Subscriber base</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=National_Pension_System&action=edit&section=5" title="Edit section: Subscriber base"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The Central government employee subscribers grew 4.9% on year to 2.28 million in FY22 while state governments subscribers grew 8.5% to 55.8 lakh during the year. The total number of subscribers as of March 31, 2022, was 5.2 crore, up 23% from a year ago. Total NPS assets under management stood at ₹7,36,000 crore as of March 31, 2022, up from ₹5,78,000 crore as on March 31, 2021<sup id="cite_ref-44" class="reference"><a href="#cite_note-44"><span class="cite-bracket">[</span>44<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Withdrawal">Withdrawal</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=National_Pension_System&action=edit&section=6" title="Edit section: Withdrawal"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Premature withdrawal in NPS before age 60 required parking 80% of the sum in an annuity.<sup id="cite_ref-45" class="reference"><a href="#cite_note-45"><span class="cite-bracket">[</span>45<span class="cite-bracket">]</span></a></sup> One can withdraw 20 percent of the corpus before 60 years but he/she must buy annuity with 80 percent of the corpus.<sup id="cite_ref-46" class="reference"><a href="#cite_note-46"><span class="cite-bracket">[</span>46<span class="cite-bracket">]</span></a></sup> In 2016, the NPS allowed withdrawal of up to 25% of contributions for specified reasons, if the scheme is at least 3 years old with certain conditions. One can withdraw the complete amount if the pension collected is less than ₹5,00,000.<sup id="cite_ref-47" class="reference"><a href="#cite_note-47"><span class="cite-bracket">[</span>47<span class="cite-bracket">]</span></a></sup> This amount was increased to ₹5,00,000 as per PFRDA Circular dated 14 June 2021.<sup id="cite_ref-48" class="reference"><a href="#cite_note-48"><span class="cite-bracket">[</span>48<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Tax_benefits">Tax benefits</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=National_Pension_System&action=edit&section=7" title="Edit section: Tax benefits"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Investment in NPS is eligible for tax benefits as follows: </p> <ul><li><b>Investment of up to ₹1,50,000 under Section 80CCD(1)</b>. The benefit is additionally capped at 10% of basic salary. For non-salaried individuals, this benefit is capped at 20% of gross total income. The benefit under Section 80C, Section 80CCC and Section 80CCD(1) is capped at ₹1,50,000 as per 80CCE.</li> <li><b>Additional investment of up to ₹50,000 under Section 80CCD(1B)</b>. This is over and above tax benefit under Section 80C; and is exclusive to NPS.<sup id="cite_ref-49" class="reference"><a href="#cite_note-49"><span class="cite-bracket">[</span>49<span class="cite-bracket">]</span></a></sup></li> <li><b>Employer co-contribution up to 10% of basic and DA under Section 80CCD(2)</b> in the Old Tax Regime.<sup id="cite_ref-50" class="reference"><a href="#cite_note-50"><span class="cite-bracket">[</span>50<span class="cite-bracket">]</span></a></sup></li> <li><b>Employer co-contribution up to 14% of basic and DA under Section 80CCD(2)</b> in the New Tax Regime.<sup id="cite_ref-51" class="reference"><a href="#cite_note-51"><span class="cite-bracket">[</span>51<span class="cite-bracket">]</span></a></sup></li></ul> <div class="mw-heading mw-heading2"><h2 id="See_also">See also</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=National_Pension_System&action=edit&section=8" title="Edit section: See also"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a href="/wiki/Old_Pension_Scheme_(OPS)" class="mw-redirect" title="Old Pension Scheme (OPS)">Old Pension Scheme (OPS)</a></li> <li><a href="/wiki/Pensions_in_India" title="Pensions in India">Pensions in India</a></li> <li><a href="/wiki/Equity-linked_savings_scheme" class="mw-redirect" title="Equity-linked savings scheme">Equity-linked savings scheme</a> (ELSS)</li> <li><a href="/wiki/Mutual_fund" title="Mutual fund">Mutual fund</a></li> <li><a href="/wiki/Income_tax_in_India" title="Income tax in India">Income tax in India</a></li> <li><a href="/wiki/401(k)" title="401(k)">401(k)</a></li> <li><a href="/wiki/Roth_IRA" title="Roth IRA">Roth IRA</a></li> <li><a href="/wiki/Retirement_plans_in_the_United_States" title="Retirement plans in the United States">Retirement plans in the United States</a></li> <li><a href="/wiki/Individual_retirement_account" title="Individual retirement account">Individual retirement account</a></li> <li><a href="/wiki/Unified_Pension_Scheme" title="Unified Pension Scheme">Unified Pension Scheme</a></li></ul> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=National_Pension_System&action=edit&section=9" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output 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.id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.livemint.com/money/personal-finance/how-to-generate-a-monthly-pension-of-rs-1-lakh-from-nps-11678806148550.html">"How to generate a monthly pension of Rs.1 lakh from NPS?"</a>. 14 March 2023. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20240818134306/https://www.livemint.com/money/personal-finance/how-to-generate-a-monthly-pension-of-rs-1-lakh-from-nps-11678806148550.html">Archived</a> from the original on 18 August 2024<span class="reference-accessdate">. Retrieved <span class="nowrap">6 July</span> 2023</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=How+to+generate+a+monthly+pension+of+Rs.1+lakh+from+NPS%3F&rft.date=2023-03-14&rft_id=https%3A%2F%2Fwww.livemint.com%2Fmoney%2Fpersonal-finance%2Fhow-to-generate-a-monthly-pension-of-rs-1-lakh-from-nps-11678806148550.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-2"><span class="mw-cite-backlink"><b><a href="#cite_ref-2">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://npscra.nsdl.co.in/all-faq-about-nps.php">"What is National Pension System?"</a>. <i>npscra.nsdl.co.in</i>. Protean eGov Technologies Limited. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20230421012602/https://npscra.nsdl.co.in/all-faq-about-nps.php">Archived</a> from the original on 21 April 2023<span class="reference-accessdate">. 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Retrieved <span class="nowrap">10 December</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=mint&rft.atitle=Govt+brings+NPS+on+a+par+with+PF%2C+makes+it+tax-free&rft.date=2018-12-10&rft.aulast=Prasad&rft.aufirst=Gireesh+Chandra&rft_id=https%3A%2F%2Fwww.livemint.com%2FPolitics%2FkJKDNzxTJ6FH2gon7SXntN%2FGovt-brings-NPS-on-a-par-with-PF-makes-it-taxfree.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-4"><span class="mw-cite-backlink"><b><a href="#cite_ref-4">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="https://pib.gov.in/Pressreleaseshare.aspx?PRID=1539258">"Reversion to old pension scheme"</a>. <i>Ministry of Personnel, Public Grievances & Pensions</i>. New Delhi: Government of India. <a href="/wiki/Press_Information_Bureau" title="Press Information Bureau">Press Information Bureau</a>. 19 July 2018. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20230220110145/https://pib.gov.in/Pressreleaseshare.aspx?PRID=1539258">Archived</a> from the original on 20 February 2023<span class="reference-accessdate">. Retrieved <span class="nowrap">20 February</span> 2023</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Ministry+of+Personnel%2C+Public+Grievances+%26+Pensions&rft.atitle=Reversion+to+old+pension+scheme&rft.date=2018-07-19&rft_id=https%3A%2F%2Fpib.gov.in%2FPressreleaseshare.aspx%3FPRID%3D1539258&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-5"><span class="mw-cite-backlink"><b><a href="#cite_ref-5">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.india.gov.in/spotlight/national-pension-system-retirement-plan-all">"National Pension System - Retirement Plan for All"</a>. <i>National Portal of India</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20210422125902/https://www.india.gov.in/spotlight/national-pension-system-retirement-plan-all">Archived</a> from the original on 22 April 2021<span class="reference-accessdate">. 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Retrieved <span class="nowrap">7 September</span> 2021</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Subject%3A+Increase+of+Entry+Age+up+to+70+Years+under+NPS&rft.date=2021-08-26&rft_id=https%3A%2F%2Fwww.pfrda.org.in%2Fwritereaddata%2Flinks%2Fcircular%2520to%2520cras%2520on%2520increase%2520of%2520entry%2520age%2520up%2520to%252070%2520years%2520under%2520nps%25201fe102dd-e5cd-475a-920b-b303f23aaee7.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-auto3-7"><span class="mw-cite-backlink">^ <a href="#cite_ref-auto3_7-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-auto3_7-1"><sup><i><b>b</b></i></sup></a> <a href="#cite_ref-auto3_7-2"><sup><i><b>c</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFNathan2016" class="citation news cs1">Nathan, Narendra (28 November 2016). <a rel="nofollow" class="external text" href="https://economictimes.indiatimes.com/wealth/invest/how-good-is-the-recently-revamped-nps/articleshow/55632329.cms">"How good is the recently revamped NPS?"</a>. <i>The Economic Times</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20210907190442/https://economictimes.indiatimes.com/wealth/invest/how-good-is-the-recently-revamped-nps/articleshow/55632329.cms">Archived</a> from the original on 7 September 2021<span class="reference-accessdate">. Retrieved <span class="nowrap">7 September</span> 2021</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=How+good+is+the+recently+revamped+NPS%3F&rft.date=2016-11-28&rft.aulast=Nathan&rft.aufirst=Narendra&rft_id=https%3A%2F%2Feconomictimes.indiatimes.com%2Fwealth%2Finvest%2Fhow-good-is-the-recently-revamped-nps%2Farticleshow%2F55632329.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-auto-8"><span class="mw-cite-backlink">^ <a href="#cite_ref-auto_8-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-auto_8-1"><sup><i><b>b</b></i></sup></a> <a href="#cite_ref-auto_8-2"><sup><i><b>c</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFMotiani2016" class="citation news cs1">Motiani, Preeti (29 December 2016). <a rel="nofollow" class="external text" href="http://economictimes.indiatimes.com/wealth/personal-finance-news/now-you-can-open-a-nps-account-completely-online-via-aadhar-without-sending-physical-documents/articleshow/56235215.cms">"NPS: Now you can open a NPS account completely online via Aadhar without sending physical documents - The Economic Times"</a>. <i>The Economic Times</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170101062646/http://economictimes.indiatimes.com/wealth/personal-finance-news/now-you-can-open-a-nps-account-completely-online-via-aadhar-without-sending-physical-documents/articleshow/56235215.cms">Archived</a> from the original on 1 January 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">17 January</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=NPS%3A+Now+you+can+open+a+NPS+account+completely+online+via+Aadhar+without+sending+physical+documents+-+The+Economic+Times&rft.date=2016-12-29&rft.aulast=Motiani&rft.aufirst=Preeti&rft_id=http%3A%2F%2Feconomictimes.indiatimes.com%2Fwealth%2Fpersonal-finance-news%2Fnow-you-can-open-a-nps-account-completely-online-via-aadhar-without-sending-physical-documents%2Farticleshow%2F56235215.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-auto2-9"><span class="mw-cite-backlink">^ <a href="#cite_ref-auto2_9-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-auto2_9-1"><sup><i><b>b</b></i></sup></a> <a href="#cite_ref-auto2_9-2"><sup><i><b>c</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="http://economictimes.indiatimes.com/wealth/tax-parity-for-nps-and-epf-members-is-a-welcome-step/articleshow/56387353.cms">"Tax parity for NPS and EPF members is a welcome step - The Economic Times"</a>. <i>The Economic Times</i>. 7 January 2017. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170419173930/http://economictimes.indiatimes.com/wealth/tax-parity-for-nps-and-epf-members-is-a-welcome-step/articleshow/56387353.cms">Archived</a> from the original on 19 April 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">17 January</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=Tax+parity+for+NPS+and+EPF+members+is+a+welcome+step+-+The+Economic+Times&rft.date=2017-01-07&rft_id=http%3A%2F%2Feconomictimes.indiatimes.com%2Fwealth%2Ftax-parity-for-nps-and-epf-members-is-a-welcome-step%2Farticleshow%2F56387353.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-auto1-10"><span class="mw-cite-backlink">^ <a href="#cite_ref-auto1_10-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-auto1_10-1"><sup><i><b>b</b></i></sup></a> <a href="#cite_ref-auto1_10-2"><sup><i><b>c</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.financialexpress.com/budget/budget-2017-arun-jaitley-likely-to-make-national-pension-system-totally-tax-free/509491/">"Budget 2017: Arun Jaitley likely to make National Pension system totally tax-free"</a>. <i>FinancialExpress.com</i>. 16 January 2017. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170905010329/http://www.financialexpress.com/budget/budget-2017-arun-jaitley-likely-to-make-national-pension-system-totally-tax-free/509491/">Archived</a> from the original on 5 September 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">17 September</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=FinancialExpress.com&rft.atitle=Budget+2017%3A+Arun+Jaitley+likely+to+make+National+Pension+system+totally+tax-free&rft.date=2017-01-16&rft_id=http%3A%2F%2Fwww.financialexpress.com%2Fbudget%2Fbudget-2017-arun-jaitley-likely-to-make-national-pension-system-totally-tax-free%2F509491%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-11"><span class="mw-cite-backlink"><b><a href="#cite_ref-11">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://pib.nic.in/PressReleseDetail.aspx?PRID=1555377">"Streamlining of National Pension System (NPS)"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Streamlining+of+National+Pension+System+%28NPS%29&rft_id=http%3A%2F%2Fpib.nic.in%2FPressReleseDetail.aspx%3FPRID%3D1555377&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-12"><span class="mw-cite-backlink"><b><a href="#cite_ref-12">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://npscra.nsdl.co.in/tax-benefits-under-nps.php">"npscra tax benefits"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20201112021043/https://npscra.nsdl.co.in/tax-benefits-under-nps.php">Archived</a> from the original on 12 November 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">3 January</span> 2022</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=npscra+tax+benefits&rft_id=https%3A%2F%2Fnpscra.nsdl.co.in%2Ftax-benefits-under-nps.php&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-13"><span class="mw-cite-backlink"><b><a href="#cite_ref-13">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFStaff_Writer2018" class="citation web cs1">Staff Writer (10 December 2018). <a rel="nofollow" class="external text" href="https://www.livemint.com/Money/2QZye6A5vOw6X8TVixMSWL/NPS-withdrawal-made-fully-taxfree-at-par-with-PPF-EPF.html">"NPS withdrawal made tax-free like PPF, EPF"</a>. <i>mint</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20181210160947/https://www.livemint.com/Money/2QZye6A5vOw6X8TVixMSWL/NPS-withdrawal-made-fully-taxfree-at-par-with-PPF-EPF.html">Archived</a> from the original on 10 December 2018<span class="reference-accessdate">. Retrieved <span class="nowrap">10 December</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=mint&rft.atitle=NPS+withdrawal+made+tax-free+like+PPF%2C+EPF&rft.date=2018-12-10&rft.au=Staff+Writer&rft_id=https%3A%2F%2Fwww.livemint.com%2FMoney%2F2QZye6A5vOw6X8TVixMSWL%2FNPS-withdrawal-made-fully-taxfree-at-par-with-PPF-EPF.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-14"><span class="mw-cite-backlink"><b><a href="#cite_ref-14">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFSaleem2018" class="citation web cs1">Saleem, Shaikh Zoaib (12 December 2018). <a rel="nofollow" class="external text" href="https://www.livemint.com/Money/MnHnzGr2lHnXE1m3FkyhSJ/Tax-treatment-of-NPS-set-to-change.html">"Tax treatment of NPS set to change"</a>. <i>mint</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20181212083801/https://www.livemint.com/Money/MnHnzGr2lHnXE1m3FkyhSJ/Tax-treatment-of-NPS-set-to-change.html">Archived</a> from the original on 12 December 2018<span class="reference-accessdate">. Retrieved <span class="nowrap">12 December</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=mint&rft.atitle=Tax+treatment+of+NPS+set+to+change&rft.date=2018-12-12&rft.aulast=Saleem&rft.aufirst=Shaikh+Zoaib&rft_id=https%3A%2F%2Fwww.livemint.com%2FMoney%2FMnHnzGr2lHnXE1m3FkyhSJ%2FTax-treatment-of-NPS-set-to-change.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-15"><span class="mw-cite-backlink"><b><a href="#cite_ref-15">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.financialexpress.com/opinion/scrap-the-nps-annuity-makes-more-sense-to-go-for-systematic-withdrawal-plan/1411241/">"Scrap the NPS annuity: Makes more sense to go for systematic withdrawal plan"</a>. 12 December 2018. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20181212133046/https://www.financialexpress.com/opinion/scrap-the-nps-annuity-makes-more-sense-to-go-for-systematic-withdrawal-plan/1411241/">Archived</a> from the original on 12 December 2018<span class="reference-accessdate">. Retrieved <span class="nowrap">12 December</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Scrap+the+NPS+annuity%3A+Makes+more+sense+to+go+for+systematic+withdrawal+plan&rft.date=2018-12-12&rft_id=https%3A%2F%2Fwww.financialexpress.com%2Fopinion%2Fscrap-the-nps-annuity-makes-more-sense-to-go-for-systematic-withdrawal-plan%2F1411241%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-16"><span class="mw-cite-backlink"><b><a href="#cite_ref-16">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="https://economictimes.indiatimes.com/wealth/tax/you-can-withdraw-entire-nps-corpus-lumpsum-if-rs-5-lakh-or-less-but-40-will-be-taxable/articleshow/95650523.cms">"You can withdraw entire NPS corpus lumpsum if Rs 5 lakh or less but 40% will be taxable"</a>. <i>The Economic Times</i>. 24 November 2022. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20230707162514/https://economictimes.indiatimes.com/wealth/tax/you-can-withdraw-entire-nps-corpus-lumpsum-if-rs-5-lakh-or-less-but-40-will-be-taxable/articleshow/95650523.cms">Archived</a> from the original on 7 July 2023<span class="reference-accessdate">. Retrieved <span class="nowrap">6 July</span> 2023</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=You+can+withdraw+entire+NPS+corpus+lumpsum+if+Rs+5+lakh+or+less+but+40%25+will+be+taxable&rft.date=2022-11-24&rft_id=https%3A%2F%2Feconomictimes.indiatimes.com%2Fwealth%2Ftax%2Fyou-can-withdraw-entire-nps-corpus-lumpsum-if-rs-5-lakh-or-less-but-40-will-be-taxable%2Farticleshow%2F95650523.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-17"><span class="mw-cite-backlink"><b><a href="#cite_ref-17">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="https://economictimes.indiatimes.com/wealth/personal-finance-news/pfrda-permits-withdrawal-of-nps-corpus-of-rs-5-lakh-without-buying-annuity/articleshow/83569246.cms">"PFRDA permits withdrawal of NPS corpus of Rs 5 lakh without buying annuity"</a>. <i>The Economic Times</i>. 17 June 2021. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20230707170421/https://economictimes.indiatimes.com/wealth/personal-finance-news/pfrda-permits-withdrawal-of-nps-corpus-of-rs-5-lakh-without-buying-annuity/articleshow/83569246.cms">Archived</a> from the original on 7 July 2023<span class="reference-accessdate">. Retrieved <span class="nowrap">6 July</span> 2023</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=PFRDA+permits+withdrawal+of+NPS+corpus+of+Rs+5+lakh+without+buying+annuity&rft.date=2021-06-17&rft_id=https%3A%2F%2Feconomictimes.indiatimes.com%2Fwealth%2Fpersonal-finance-news%2Fpfrda-permits-withdrawal-of-nps-corpus-of-rs-5-lakh-without-buying-annuity%2Farticleshow%2F83569246.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-18"><span class="mw-cite-backlink"><b><a href="#cite_ref-18">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="http://economictimes.indiatimes.com/news/economy/policy/10-things-arun-jaitley-can-do-to-make-it-a-budget-for-the-middle-class/articleshow/56622536.cms">"10 things Arun Jaitley can do to make it a Budget for the middle class"</a>. <i>The Economic Times</i>. 17 September 2017. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170910063220/http://economictimes.indiatimes.com/news/economy/policy/10-things-arun-jaitley-can-do-to-make-it-a-budget-for-the-middle-class/articleshow/56622536.cms">Archived</a> from the original on 10 September 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">17 September</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=10+things+Arun+Jaitley+can+do+to+make+it+a+Budget+for+the+middle+class&rft.date=2017-09-17&rft_id=http%3A%2F%2Feconomictimes.indiatimes.com%2Fnews%2Feconomy%2Fpolicy%2F10-things-arun-jaitley-can-do-to-make-it-a-budget-for-the-middle-class%2Farticleshow%2F56622536.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-19"><span class="mw-cite-backlink"><b><a href="#cite_ref-19">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="https://economictimes.indiatimes.com/wealth/invest/5-step-plan-to-make-nps-work/articleshow/55634062.cms">"Opinion: 5-step plan to make NPS work"</a>. <i>The Economic Times</i>. 28 November 2016. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20210907190441/https://economictimes.indiatimes.com/wealth/invest/5-step-plan-to-make-nps-work/articleshow/55634062.cms">Archived</a> from the original on 7 September 2021<span class="reference-accessdate">. Retrieved <span class="nowrap">7 September</span> 2021</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=Opinion%3A+5-step+plan+to+make+NPS+work&rft.date=2016-11-28&rft_id=https%3A%2F%2Feconomictimes.indiatimes.com%2Fwealth%2Finvest%2F5-step-plan-to-make-nps-work%2Farticleshow%2F55634062.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-20"><span class="mw-cite-backlink"><b><a href="#cite_ref-20">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="http://economictimes.indiatimes.com/wealth/tax/dilip-vaz-can-cut-tax-outgo-by-investing-in-nps/articleshow/56700812.cms">"Salaried Vaz can cut tax outgo by investing in NPS"</a>. <i>The Economic Times</i>. 17 September 2017. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170910063223/http://economictimes.indiatimes.com/wealth/tax/dilip-vaz-can-cut-tax-outgo-by-investing-in-nps/articleshow/56700812.cms">Archived</a> from the original on 10 September 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">17 September</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=Salaried+Vaz+can+cut+tax+outgo+by+investing+in+NPS&rft.date=2017-09-17&rft_id=http%3A%2F%2Feconomictimes.indiatimes.com%2Fwealth%2Ftax%2Fdilip-vaz-can-cut-tax-outgo-by-investing-in-nps%2Farticleshow%2F56700812.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-21"><span class="mw-cite-backlink"><b><a href="#cite_ref-21">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFBhaskaran2016" class="citation web cs1">Bhaskaran, Deepti (27 November 2016). <a rel="nofollow" class="external text" href="https://www.livemint.com/Money/SJ4vmvFWj5u6NfToqrskzO/Time-to-up-your-equity-investment-in-NPS.html">"Time to up your equity investment in NPS?"</a>. <i>mint</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20201022113043/https://www.livemint.com/Money/SJ4vmvFWj5u6NfToqrskzO/Time-to-up-your-equity-investment-in-NPS.html">Archived</a> from the original on 22 October 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">7 September</span> 2021</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=mint&rft.atitle=Time+to+up+your+equity+investment+in+NPS%3F&rft.date=2016-11-27&rft.aulast=Bhaskaran&rft.aufirst=Deepti&rft_id=https%3A%2F%2Fwww.livemint.com%2FMoney%2FSJ4vmvFWj5u6NfToqrskzO%2FTime-to-up-your-equity-investment-in-NPS.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-22"><span class="mw-cite-backlink"><b><a href="#cite_ref-22">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFNathan2016" class="citation news cs1">Nathan, Narendra (29 December 2016). <a rel="nofollow" class="external text" href="http://economictimes.indiatimes.com/markets/stocks/news/nps-outshines-mfs-benchmark-indices-in-2016/articleshow/56229731.cms">"NPS outshines MFs, benchmark indices in 2016 - The Economic Times"</a>. <i>The Economic Times</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20161231161928/http://economictimes.indiatimes.com/markets/stocks/news/nps-outshines-mfs-benchmark-indices-in-2016/articleshow/56229731.cms">Archived</a> from the original on 31 December 2016<span class="reference-accessdate">. Retrieved <span class="nowrap">17 January</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=NPS+outshines+MFs%2C+benchmark+indices+in+2016+-+The+Economic+Times&rft.date=2016-12-29&rft.aulast=Nathan&rft.aufirst=Narendra&rft_id=http%3A%2F%2Feconomictimes.indiatimes.com%2Fmarkets%2Fstocks%2Fnews%2Fnps-outshines-mfs-benchmark-indices-in-2016%2Farticleshow%2F56229731.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-23"><span class="mw-cite-backlink"><b><a href="#cite_ref-23">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="http://economictimes.indiatimes.com/wealth/invest/how-to-change-the-scheme-preference-in-nps/articleshow/56701451.cms">"How to change the scheme preference in NPS"</a>. <i>The Economic Times</i>. 17 September 2017. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170910063221/http://economictimes.indiatimes.com/wealth/invest/how-to-change-the-scheme-preference-in-nps/articleshow/56701451.cms">Archived</a> from the original on 10 September 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">17 September</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=How+to+change+the+scheme+preference+in+NPS&rft.date=2017-09-17&rft_id=http%3A%2F%2Feconomictimes.indiatimes.com%2Fwealth%2Finvest%2Fhow-to-change-the-scheme-preference-in-nps%2Farticleshow%2F56701451.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-24"><span class="mw-cite-backlink"><b><a href="#cite_ref-24">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFZaidi2017" class="citation news cs1">Zaidi, Babar (30 January 2017). <a rel="nofollow" class="external text" href="https://economictimes.indiatimes.com/wealth/tax/how-to-choose-the-tax-saving-instrument-most-suitable-for-you-et-wealth-ratings/articleshow/56387699.cms">"Income Tax saving: Choose the best tax saving instrument for you"</a>. <i>The Economic Times</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20240818134311/https://economictimes.indiatimes.com/wealth/tax/how-to-choose-the-tax-saving-instrument-most-suitable-for-you-et-wealth-ratings/articleshow/56387699.cms">Archived</a> from the original on 18 August 2024<span class="reference-accessdate">. Retrieved <span class="nowrap">7 September</span> 2021</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=Income+Tax+saving%3A+Choose+the+best+tax+saving+instrument+for+you&rft.date=2017-01-30&rft.aulast=Zaidi&rft.aufirst=Babar&rft_id=https%3A%2F%2Feconomictimes.indiatimes.com%2Fwealth%2Ftax%2Fhow-to-choose-the-tax-saving-instrument-most-suitable-for-you-et-wealth-ratings%2Farticleshow%2F56387699.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-25"><span class="mw-cite-backlink"><b><a href="#cite_ref-25">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFDhawan2017" class="citation web cs1">Dhawan, Sunil (17 September 2017). <a rel="nofollow" class="external text" href="http://economictimes.indiatimes.com/wealth/tax/looking-at-nps-for-tax-saving-find-out-if-the-investment-suits-your-financial-profile/articleshow/56775335.cms">"Looking at NPS for tax saving? Find out if the investment suits your financial profile"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170910063231/http://economictimes.indiatimes.com/wealth/tax/looking-at-nps-for-tax-saving-find-out-if-the-investment-suits-your-financial-profile/articleshow/56775335.cms">Archived</a> from the original on 10 September 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">17 September</span> 2017</span> – via The Economic Times.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Looking+at+NPS+for+tax+saving%3F+Find+out+if+the+investment+suits+your+financial+profile&rft.date=2017-09-17&rft.aulast=Dhawan&rft.aufirst=Sunil&rft_id=http%3A%2F%2Feconomictimes.indiatimes.com%2Fwealth%2Ftax%2Flooking-at-nps-for-tax-saving-find-out-if-the-investment-suits-your-financial-profile%2Farticleshow%2F56775335.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-26"><span class="mw-cite-backlink"><b><a href="#cite_ref-26">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://timesofindia.indiatimes.com/business/india-business/union-budget-2017-more-tax-relief-for-nps-subscribers/articleshow/56913503.cms">"Union Budget 2017: More tax relief for NPS subscribers - Times of India"</a>. <i>IndiaTimes.com</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170917161106/http://timesofindia.indiatimes.com/business/india-business/union-budget-2017-more-tax-relief-for-nps-subscribers/articleshow/56913503.cms">Archived</a> from the original on 17 September 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">17 September</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=IndiaTimes.com&rft.atitle=Union+Budget+2017%3A+More+tax+relief+for+NPS+subscribers+-+Times+of+India&rft_id=http%3A%2F%2Ftimesofindia.indiatimes.com%2Fbusiness%2Findia-business%2Funion-budget-2017-more-tax-relief-for-nps-subscribers%2Farticleshow%2F56913503.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-27"><span class="mw-cite-backlink"><b><a href="#cite_ref-27">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFDhawan2017" class="citation news cs1">Dhawan, Sunil (1 February 2017). <a rel="nofollow" class="external text" href="http://economictimes.indiatimes.com/wealth/tax/budget-2017-proposes-tax-exemption-to-premature-partial-withdrawal-from-nps/articleshow/56808785.cms">"Budget 2017 proposes tax exemption to premature partial withdrawal from NPS"</a>. <i>The Economic Times</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20240818134310/https://economictimes.indiatimes.com/wealth/tax/budget-2017-proposes-tax-exemption-to-premature-partial-withdrawal-from-nps/articleshow/56808785.cms">Archived</a> from the original on 18 August 2024<span class="reference-accessdate">. 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(August 2024)">bare URL PDF</span></a></i>]</sup></span> </li> <li id="cite_note-32"><span class="mw-cite-backlink"><b><a href="#cite_ref-32">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREF1_Sane,_2_Shah2011" class="citation journal cs1">1 Sane, 2 Shah, 1 Renuka, 2 Ajay (September 2011). <a rel="nofollow" class="external text" href="https://www.nipfp.org.in/media/medialibrary/2013/04/wp_2011_91.pdf">"Civil Service and Military Pensions in India"</a> <span class="cs1-format">(PDF)</span>. <i>National Institute of Public Finance and Policy</i>: 19. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20231208031158/https://www.nipfp.org.in/media/medialibrary/2013/04/wp_2011_91.pdf">Archived</a> <span class="cs1-format">(PDF)</span> from the original on 8 December 2023<span class="reference-accessdate">. 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Retrieved <span class="nowrap">9 August</span> 2023</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=NPS%3A+Frequently+asked+questions&rft.date=2021-11-29&rft.issn=0013-0389&rft_id=https%3A%2F%2Feconomictimes.indiatimes.com%2Fmf%2Fanalysis%2Fnps-frequently-asked-questions%2Farticleshow%2F58959509.cms%3Ffrom%3Dmdr&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-40"><span class="mw-cite-backlink"><b><a href="#cite_ref-40">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="https://economictimes.indiatimes.com/mf/analysis/nps-frequently-asked-questions/articleshow/58959509.cms">"What is NPS? 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Retrieved <span class="nowrap">15 June</span> 2022</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Financialexpress&rft.atitle=NPS+assets+under+management+rises+27%25+y-o-y+to+Rs+7.36+trillion&rft.date=2022-04-09&rft_id=https%3A%2F%2Fwww.financialexpress.com%2Fmoney%2Fnps-assets-under-management-rises-27-y-o-y-to-rs-7-36-trillion%2F2486413%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-45"><span class="mw-cite-backlink"><b><a href="#cite_ref-45">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="http://economictimes.indiatimes.com/mf/analysis/nps-frequently-asked-questions/articleshow/58959509.cms">"NPS: Frequently asked questions"</a>. <i>The Economic Times</i>. 2 June 2017. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170917131846/http://economictimes.indiatimes.com/mf/analysis/nps-frequently-asked-questions/articleshow/58959509.cms">Archived</a> from the original on 17 September 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">17 September</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=NPS%3A+Frequently+asked+questions&rft.date=2017-06-02&rft_id=http%3A%2F%2Feconomictimes.indiatimes.com%2Fmf%2Fanalysis%2Fnps-frequently-asked-questions%2Farticleshow%2F58959509.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-46"><span class="mw-cite-backlink"><b><a href="#cite_ref-46">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="http://economictimes.indiatimes.com/mf/analysis/-ask-et-mutual-funds-suggest-me-some-good-elsss-and-nps-funds/articleshow/58716924.cms">"Ask ET Mutual Funds: Suggest me some good ELSSs and NPS funds"</a>. <i>The Economic Times</i>. 17 May 2017. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170918055558/http://economictimes.indiatimes.com/mf/analysis/-ask-et-mutual-funds-suggest-me-some-good-elsss-and-nps-funds/articleshow/58716924.cms">Archived</a> from the original on 18 September 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">17 September</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=Ask+ET+Mutual+Funds%3A+Suggest+me+some+good+ELSSs+and+NPS+funds&rft.date=2017-05-17&rft_id=http%3A%2F%2Feconomictimes.indiatimes.com%2Fmf%2Fanalysis%2F-ask-et-mutual-funds-suggest-me-some-good-elsss-and-nps-funds%2Farticleshow%2F58716924.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-47"><span class="mw-cite-backlink"><b><a href="#cite_ref-47">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://npscra.nsdl.co.in/all-faq-withdrawal.php">"Withdrawal"</a>. <i>npscra.nsdl.co.in</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200129110519/https://npscra.nsdl.co.in/all-faq-withdrawal.php">Archived</a> from the original on 29 January 2020<span class="reference-accessdate">. Retrieved <span class="nowrap">29 January</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=npscra.nsdl.co.in&rft.atitle=Withdrawal&rft_id=https%3A%2F%2Fnpscra.nsdl.co.in%2Fall-faq-withdrawal.php&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-48"><span class="mw-cite-backlink"><b><a href="#cite_ref-48">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.npscra.nsdl.co.in/download/pdf/Gazette-PFRDA%20(Exits%20and%20Withdrawals%20under%20NPS)%20(Amendment)%20Regulations%202021.pdf">"Gazette-PFRDA (Exits and Withdrawals under NPS) (Amendment) Regulations 2021"</a> <span class="cs1-format">(PDF)</span>. 14 June 2021. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20240818134344/https://www.npscra.nsdl.co.in/download/pdf/Gazette-PFRDA%20(Exits%20and%20Withdrawals%20under%20NPS)%20(Amendment)%20Regulations%202021.pdf">Archived</a> <span class="cs1-format">(PDF)</span> from the original on 18 August 2024<span class="reference-accessdate">. Retrieved <span class="nowrap">14 June</span> 2021</span> – via The Pension Fund Regulatory and Development Authority (PFRDA).</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Gazette-PFRDA+%28Exits+and+Withdrawals+under+NPS%29+%28Amendment%29+Regulations+2021&rft.date=2021-06-14&rft_id=https%3A%2F%2Fwww.npscra.nsdl.co.in%2Fdownload%2Fpdf%2FGazette-PFRDA%2520%28Exits%2520and%2520Withdrawals%2520under%2520NPS%29%2520%28Amendment%29%2520Regulations%25202021.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-49"><span class="mw-cite-backlink"><b><a href="#cite_ref-49">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFMukerji2017" class="citation news cs1">Mukerji, Chandralekha (17 September 2017). <a rel="nofollow" class="external text" href="http://economictimes.indiatimes.com/wealth/tax/experts-differ-on-how-to-claim-additional-nps-tax-benefit-under-sec-80ccd-1b/articleshow/51952963.cms">"Experts differ on how to claim additional NPS tax benefit under Sec 80CCD (1b). Clarity is also not there as to whether the benefit comes under tier-i or tier-ii"</a>. <i>The Economic Times</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170917005645/http://economictimes.indiatimes.com/wealth/tax/experts-differ-on-how-to-claim-additional-nps-tax-benefit-under-sec-80ccd-1b/articleshow/51952963.cms">Archived</a> from the original on 17 September 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">17 September</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Economic+Times&rft.atitle=Experts+differ+on+how+to+claim+additional+NPS+tax+benefit+under+Sec+80CCD+%281b%29.+Clarity+is+also+not+there+as+to+whether+the+benefit+comes+under+tier-i+or+tier-ii&rft.date=2017-09-17&rft.aulast=Mukerji&rft.aufirst=Chandralekha&rft_id=http%3A%2F%2Feconomictimes.indiatimes.com%2Fwealth%2Ftax%2Fexperts-differ-on-how-to-claim-additional-nps-tax-benefit-under-sec-80ccd-1b%2Farticleshow%2F51952963.cms&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> <li id="cite_note-50"><span class="mw-cite-backlink"><b><a href="#cite_ref-50">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.financialexpress.com/economy/7-national-pension-system-myths-busted-to-ensure-your-retirement-planning-does-not-get-derailed/842772/">"7 National Pension System myths busted to ensure your retirement planning does not get derailed"</a>. 6 September 2017. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20210907190441/https://www.financialexpress.com/economy/7-national-pension-system-myths-busted-to-ensure-your-retirement-planning-does-not-get-derailed/842772/">Archived</a> from the original on 7 September 2021<span class="reference-accessdate">. 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Retrieved <span class="nowrap">15 October</span> 2024</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Budget+2024%3A+Deduction+limit+increased+from+10%25+to+14%25%3B+introduces+NPS+Vatsalya+for+minors&rft.date=2024-07-25&rft_id=https%3A%2F%2Fwww.livemint.com%2Fbudget%2Fbudget-2024-deduction-limit-increased-from-10-to-14-introduces-nps-vatsalya-for-minors-new-tax-regime-11721887949706.html%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ANational+Pension+System" class="Z3988"></span></span> </li> </ol></div></div> <div class="mw-heading mw-heading2"><h2 id="External_links">External links</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=National_Pension_System&action=edit&section=10" title="Edit section: External links"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a rel="nofollow" class="external text" href="https://www.pfrda.org.in/">PFRDA</a></li> <li><a rel="nofollow" class="external text" href="https://pensionersportal.gov.in/#faq">FAQ for Pensioners</a></li> <li><a rel="nofollow" class="external text" href="https://www.npstrust.org.in/content/pension-calculator">Pension Calculator</a></li> <li><a rel="nofollow" class="external text" href="https://npstrust.org.in/returns-of-nps_scheme">Returns of NPS Schemes</a></li></ul> <div class="navbox-styles"><style data-mw-deduplicate="TemplateStyles:r1129693374">.mw-parser-output .hlist dl,.mw-parser-output .hlist ol,.mw-parser-output .hlist ul{margin:0;padding:0}.mw-parser-output .hlist dd,.mw-parser-output .hlist dt,.mw-parser-output .hlist li{margin:0;display:inline}.mw-parser-output .hlist.inline,.mw-parser-output .hlist.inline dl,.mw-parser-output .hlist.inline ol,.mw-parser-output .hlist.inline ul,.mw-parser-output .hlist dl dl,.mw-parser-output .hlist dl ol,.mw-parser-output .hlist dl ul,.mw-parser-output .hlist ol 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.navbox{display:none!important}}</style></div><div role="navigation" class="navbox" aria-labelledby="Government_schemes_in_India" style="padding:3px"><table class="nowraplinks hlist mw-collapsible mw-collapsed navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><style data-mw-deduplicate="TemplateStyles:r1239400231">.mw-parser-output .navbar{display:inline;font-size:88%;font-weight:normal}.mw-parser-output .navbar-collapse{float:left;text-align:left}.mw-parser-output .navbar-boxtext{word-spacing:0}.mw-parser-output .navbar ul{display:inline-block;white-space:nowrap;line-height:inherit}.mw-parser-output .navbar-brackets::before{margin-right:-0.125em;content:"[ "}.mw-parser-output .navbar-brackets::after{margin-left:-0.125em;content:" ]"}.mw-parser-output .navbar li{word-spacing:-0.125em}.mw-parser-output .navbar a>span,.mw-parser-output .navbar a>abbr{text-decoration:inherit}.mw-parser-output .navbar-mini abbr{font-variant:small-caps;border-bottom:none;text-decoration:none;cursor:inherit}.mw-parser-output .navbar-ct-full{font-size:114%;margin:0 7em}.mw-parser-output .navbar-ct-mini{font-size:114%;margin:0 4em}html.skin-theme-clientpref-night .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}@media(prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}}@media print{.mw-parser-output .navbar{display:none!important}}</style><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Government_Schemes_in_India" title="Template:Government Schemes in India"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Government_Schemes_in_India" title="Template talk:Government Schemes in India"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Government_Schemes_in_India" title="Special:EditPage/Template:Government Schemes in India"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Government_schemes_in_India" style="font-size:114%;margin:0 4em"><a href="/wiki/List_of_schemes_of_the_government_of_India" title="List of schemes of the government of India">Government schemes in India</a></div></th></tr><tr><td colspan="2" class="navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/List_of_schemes_of_the_government_of_India" title="List of schemes of the government of India">List of schemes</a></li> <li><a href="/wiki/Welfare_schemes_for_women_in_India" title="Welfare schemes for women in India">Welfare schemes for women</a></li> <li><a href="/w/index.php?title=Poverty_alleviation_programmes_in_India&action=edit&redlink=1" class="new" title="Poverty alleviation programmes in India (page does not exist)">Poverty alleviation programmes</a></li> <li><a href="/wiki/Subsidies_in_India" title="Subsidies in India">Subsidies</a></li> <li><a href="/wiki/Social_security_in_India" title="Social security in India">Social security</a></li> <li><a href="/wiki/Food_security_in_India" title="Food security in India">Food security</a></li></ul> </div></td></tr><tr><td colspan="2" class="navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em">Active</div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Schemes</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Antyodaya_Anna_Yojana" title="Antyodaya Anna Yojana">Antyodaya Anna</a></li> <li><a href="/wiki/Atal_Pension_Yojana" title="Atal Pension Yojana">Atal Pension</a></li> <li><a href="/wiki/Ayushman_Bharat_Yojana" title="Ayushman Bharat Yojana">Ayushman Bharat</a></li> <li><a href="/wiki/Beti_Bachao,_Beti_Padhao_Yojana" class="mw-redirect" title="Beti Bachao, Beti Padhao Yojana">Beti Bachao, Beti Padhao</a></li> <li><a href="/wiki/Deen_Dayal_Upadhyaya_Antyodaya_Yojana" title="Deen Dayal Upadhyaya Antyodaya Yojana">Deen Dayal Upadhyaya Antyodaya</a></li> <li><a href="/wiki/Deen_Dayal_Upadhyaya_Grameen_Kaushalya_Yojana" title="Deen Dayal Upadhyaya Grameen Kaushalya Yojana">Deen Dayal Upadhyaya Grameen Kaushalya</a></li> <li><a href="/wiki/Deen_Dayal_Upadhyaya_Gram_Jyoti_Yojana" title="Deen Dayal Upadhyaya Gram Jyoti Yojana">Deen Dayal Upadhyaya Gram Jyoti</a></li> <li><a href="/wiki/Direct_Benefit_Transfer" title="Direct Benefit Transfer">Direct Benefit Transfer</a></li> <li><a href="/wiki/DigiLocker" title="DigiLocker">DigiLocker</a></li> <li><a href="/wiki/Garib_Kalyan_Rojgar_Abhiyaan" title="Garib Kalyan Rojgar Abhiyaan">Garib Kalyan Rojgar Abhiyaan</a></li> <li><a href="/wiki/Heritage_City_Development_and_Augmentation_Yojana" title="Heritage City Development and Augmentation Yojana">Heritage City Development and Augmentation</a></li> <li><a href="/wiki/Integrated_Child_Development_Services" title="Integrated Child Development Services">Integrated Child Development Services</a></li> <li><a href="/wiki/Income_declaration_scheme,_2016" title="Income declaration scheme, 2016">Income declaration</a></li> <li><a href="/wiki/JAM_Yojana" title="JAM Yojana">JAM Yojana</a></li> <li><a href="/wiki/Khelo_India" title="Khelo India">Khelo India</a></li> <li><a href="/wiki/Mahatma_Gandhi_Pravasi_Suraksha_Yojana" title="Mahatma Gandhi Pravasi Suraksha Yojana">Pravasi Suraksha</a></li> <li><a href="/wiki/Midday_Meal_Scheme" title="Midday Meal Scheme">Midday Meal Scheme</a></li> <li><a href="/wiki/Members_of_Parliament_Local_Area_Development_Scheme" title="Members of Parliament Local Area Development Scheme">Local Area Development</a></li> <li><a href="/wiki/National_Infrastructure_Pipeline" title="National Infrastructure Pipeline">National Infrastructure Pipeline</a></li> <li><a class="mw-selflink selflink">National Pension System</a></li> <li><a href="/wiki/National_Social_Assistance_Scheme" title="National Social Assistance Scheme">National Social Assistance Scheme</a></li> <li><a href="/wiki/National_Service_Scheme" title="National Service Scheme">National Service Scheme</a></li> <li><a href="/wiki/Post_Office_Passport_Seva_Kendra" title="Post Office Passport Seva Kendra">Post Office Passport</a></li> <li><a href="/wiki/Farmer_Income_Protection_Scheme_(PM_AASHA)" title="Farmer Income Protection Scheme (PM AASHA)">Farmer Income Protection Scheme (PM AASHA)</a></li> <li><a href="/wiki/Pradhan_Mantri_Adarsh_Gram_Yojana" title="Pradhan Mantri Adarsh Gram Yojana">Adarsh Gram</a></li> <li><a href="/wiki/Pradhan_Mantri_Gramin_Awaas_Yojana" class="mw-redirect" title="Pradhan Mantri Gramin Awaas Yojana">Gramin Awaas</a></li> <li><a href="/wiki/Pradhan_Mantri_Awas_Yojana" title="Pradhan Mantri Awas Yojana">Awas</a></li> <li><a href="/wiki/Pradhan_Mantri_Digital_Health_Mission" title="Pradhan Mantri Digital Health Mission">Digital Health Mission</a></li> <li><a href="/wiki/Pradhan_Mantri_Gram_Sadak_Yojana" title="Pradhan Mantri Gram Sadak Yojana">Gram Sadak</a></li> <li><a href="/wiki/Pradhan_Mantri_Jan_Dhan_Yojana" title="Pradhan Mantri Jan Dhan Yojana">Jan Dhan</a></li> <li><a href="/wiki/Pradhan_Mantri_Krishi_Sinchai_Yojana" title="Pradhan Mantri Krishi Sinchai Yojana">Krishi Sinchai</a></li> <li><a href="/wiki/Pradhan_Mantri_Matsya_Sampada_Yojana" title="Pradhan Mantri Matsya Sampada Yojana">Matsya Sampada</a></li> <li><a href="/wiki/Pradhan_Mantri_Matritva_Vandana_Yojana" class="mw-redirect" title="Pradhan Mantri Matritva Vandana Yojana">Matritva Vandana</a></li> <li><a href="/wiki/Pradhan_Mantri_Shram_Yogi_Mandhan" title="Pradhan Mantri Shram Yogi Mandhan">Shram Yogi Mandhan</a></li> <li><a href="/wiki/Pradhan_Mantri_Ujjwala_Yojana" title="Pradhan Mantri Ujjwala Yojana">Ujjwala</a></li> <li><a href="/wiki/Pradhan_Mantri_Bhartiya_Jan_Aushadhi_Yojana_Kendra" class="mw-redirect" title="Pradhan Mantri Bhartiya Jan Aushadhi Yojana Kendra">Bhartiya Jan Aushadhi</a></li> <li><a href="/wiki/Pradhan_Mantri_Garib_Kalyan_Yojana" title="Pradhan Mantri Garib Kalyan Yojana">Garib Kalyan</a></li> <li><a href="/wiki/Pradhan_Mantri_Garib_Kalyan_Anna_Yojana" title="Pradhan Mantri Garib Kalyan Anna Yojana">Garib Kalyan Anna Yojana</a></li> <li><a href="/wiki/Pradhan_Mantri_Jeevan_Jyoti_Bima_Yojana" title="Pradhan Mantri Jeevan Jyoti Bima Yojana">Jeevan Jyoti Bima</a></li> <li><a href="/wiki/Pradhan_Mantri_Kisan_Samman_Nidhi" title="Pradhan Mantri Kisan Samman Nidhi">Kisan Samman Nidhi</a></li> <li><a href="/wiki/Pradhan_Mantri_Suraksha_Bima_Yojana" title="Pradhan Mantri Suraksha Bima Yojana">Suraksha Bima</a></li> <li><a href="/wiki/Sansad_Adarsh_Gram_Yojana" title="Sansad Adarsh Gram Yojana">Sansad Adarsh Gram</a></li> <li><a href="/wiki/Saubhagya_scheme" title="Saubhagya scheme">Saubhagya</a></li> <li><a href="/wiki/Soil_Health_Card_Scheme" title="Soil Health Card Scheme">Soil Health Card</a></li> <li><a href="/wiki/UDAN" title="UDAN">UDAN</a></li> <li><a href="/wiki/Ujwal_DISCOM_Assurance_Yojana" title="Ujwal DISCOM Assurance Yojana">Ujwal DISCOM Assurance </a></li> <li><a href="/wiki/Unnat_Jeevan_by_Affordable_LEDs_and_Appliances_for_All" class="mw-redirect" title="Unnat Jeevan by Affordable LEDs and Appliances for All">Unnat Jeevan</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Indian_missions" title="Indian missions">Missions</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Atal_Mission_for_Rejuvenation_and_Urban_Transformation" title="Atal Mission for Rejuvenation and Urban Transformation">Rejuvenation and Urban Transformation</a></li> <li><a href="/wiki/Mission_Indradhanush" title="Mission Indradhanush">Indradhanush</a></li> <li><a href="/wiki/National_Education_Mission" title="National Education Mission">Education</a></li> <li><a href="/wiki/National_Initiative_on_Climate_Resilient_Agriculture" title="National Initiative on Climate Resilient Agriculture">Climate Resilient Agriculture</a></li> <li><a href="/wiki/National_Mission_for_Manuscripts" title="National Mission for Manuscripts">Manuscripts</a></li> <li><a href="/wiki/National_Health_Mission" title="National Health Mission">Health</a> <ul><li><a href="/wiki/Anganwadi" title="Anganwadi">Anganwadi</a></li> <li><a href="/wiki/Auxiliary_nurse_midwife" title="Auxiliary nurse midwife">Auxiliary nurse midwife</a></li> <li><a href="/wiki/Accredited_Social_Health_Activist" title="Accredited Social Health Activist">Accredited Social Health Activist</a></li></ul></li> <li><a href="/wiki/National_Solar_Mission" title="National Solar Mission">Solar</a></li> <li><a href="/wiki/National_Translation_Mission" title="National Translation Mission">Translation</a></li> <li><a href="/wiki/Providing_Urban_Amenities_to_Rural_Areas" title="Providing Urban Amenities to Rural Areas">Providing Urban Amenities to Rural Areas</a></li> <li><a href="/wiki/Rashtriya_Madhyamik_Shiksha_Abhiyan" title="Rashtriya Madhyamik Shiksha Abhiyan">Rashtriya Madhyamik Shiksha Abhiyan</a></li> <li><a href="/wiki/Rashtriya_Uchchatar_Shiksha_Abhiyan" title="Rashtriya Uchchatar Shiksha Abhiyan">Rashtriya Uchchatar Shiksha Abhiyan</a></li> <li><a href="/wiki/Remunerative_Approach_for_Agriculture_and_Allied_sector_Rejuvenation" title="Remunerative Approach for Agriculture and Allied sector Rejuvenation">Remunerative Approach for Agriculture and Allied sector Rejuvenation</a></li> <li><a href="/wiki/Sarva_Shiksha_Abhiyan" title="Sarva Shiksha Abhiyan">Sarva Shiksha Abhiyan</a></li> <li><a href="/wiki/Smart_Cities_Mission" title="Smart Cities Mission">Smart Cities Mission</a></li> <li><a href="/wiki/TB-Mission_2020" class="mw-redirect" title="TB-Mission 2020">TB-Mission 2020</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Projects</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Agriculture_MMP" title="Agriculture MMP">Agriculture MMP</a></li> <li><a href="/wiki/Bharatmala" title="Bharatmala">Bharatmala</a></li> <li><a href="/wiki/Indian_Rivers_Inter-link" class="mw-redirect" title="Indian Rivers Inter-link">Indian Rivers Inter-link</a></li> <li><a href="/wiki/Operation_Flood" class="mw-redirect" title="Operation Flood">Operation Flood</a></li> <li><a href="/wiki/Sagar_Mala_project" title="Sagar Mala project">Sagar Mala project</a></li> <li><a href="/wiki/Setu_Bharatam" title="Setu Bharatam">Setu Bharatam</a></li> <li><a href="/wiki/Urja_Ganga_Gas_Pipeline_Project" title="Urja Ganga Gas Pipeline Project">Urja Ganga Gas Pipeline Project</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Campaigns</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Accessible_India_Campaign" title="Accessible India Campaign">Accessible India Campaign</a></li> <li><a href="/wiki/Digital_India" title="Digital India">Digital India</a></li> <li><a href="/wiki/Make_in_India" title="Make in India">Make in India</a></li> <li><a href="/wiki/Skill_India" title="Skill India">Skill India</a></li> <li><a href="/wiki/Standup_India" class="mw-redirect" title="Standup India">Standup India</a></li> <li><a href="/w/index.php?title=Startup_India_Seed_Fund_Scheme&action=edit&redlink=1" class="new" title="Startup India Seed Fund Scheme (page does not exist)">Startup India</a></li> <li><a href="/wiki/Swachh_Bharat_Mission" title="Swachh Bharat Mission">Swachh Bharat Mission</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Identity</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Aadhaar" title="Aadhaar">Aadhaar</a></li> <li><a href="/wiki/Business_identification_number" title="Business identification number">Business identification</a></li> <li><a href="/wiki/Indian_passport" title="Indian passport">Passport</a></li> <li><a href="/wiki/Permanent_account_number" title="Permanent account number">Permanent account</a></li> <li><a href="/wiki/Ration_card_(India)" title="Ration card (India)">Ration card</a></li> <li><a href="/wiki/Unorganised_Workers%27_Identification_Number" title="Unorganised Workers' Identification Number">Unorganised Workers</a></li> <li><a href="/wiki/Voter_ID_(India)" title="Voter ID (India)">Voters</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">State</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Category:Government_welfare_schemes_in_Andhra_Pradesh" title="Category:Government welfare schemes in Andhra Pradesh">AP</a> <ul><li><a href="/wiki/Annadatha_Sukhibhava" class="mw-redirect" title="Annadatha Sukhibhava">Annadatha Sukhibhava</a></li></ul></li> <li><a href="/wiki/Category:Government_schemes_in_Telangana" title="Category:Government schemes in Telangana">TG</a> <ul><li><a href="/wiki/Mission_Bhagiratha" title="Mission Bhagiratha">Mission Bhagiratha</a></li> <li><a href="/wiki/T_App_Folio" title="T App Folio">T App Folio</a></li></ul></li> <li>GJ <ul><li><a href="/wiki/Jyotigram_Yojana" title="Jyotigram Yojana">Jyotigram</a></li> <li><a href="/wiki/Vibrant_Gujarat" title="Vibrant Gujarat">Vibrant Gujarat</a></li></ul></li> <li><a href="/wiki/Category:Government_schemes_in_Madhya_Pradesh" title="Category:Government schemes in Madhya Pradesh">MP</a> <ul><li><a href="/wiki/Madhya_Pradesh_Global_Investors%27_Summit" title="Madhya Pradesh Global Investors' Summit">Global Investors Summit</a></li> <li><a href="/wiki/Ladli_Laxmi_Yojana" title="Ladli Laxmi Yojana">Ladli Laxmi</a></li></ul></li> <li><a href="/wiki/Category:Government_schemes_in_Maharashtra" title="Category:Government schemes in Maharashtra">MH</a> <ul><li><a href="/wiki/Mahatma_Jyotiba_Phule_Jan_Arogya_Yojana" title="Mahatma Jyotiba Phule Jan Arogya Yojana">Mahatma Jyotiba Phule Jan Arogya</a></li> <li><a href="/wiki/Magnetic_Maharashtra" title="Magnetic Maharashtra">Magnetic Maharashtra</a></li></ul></li> <li><a href="/wiki/List_of_schemes_of_the_government_of_Odisha" title="List of schemes of the government of Odisha">OR</a> <ul><li><a href="/wiki/Ahar_Yojana" title="Ahar Yojana">Ahar</a></li> <li><a href="/wiki/Biju_Krushak_Kalyan_Yojana" title="Biju Krushak Kalyan Yojana">Biju Krushak Kalyan</a></li> <li><a href="/wiki/Madhu_Babu_Pension_Yojana" title="Madhu Babu Pension Yojana">Madhu Babu Pension</a></li></ul></li> <li><a href="/wiki/Category:Government_schemes_in_Rajasthan" title="Category:Government schemes in Rajasthan">RJ</a> <ul><li><a href="/wiki/Bhamashah_Yojana" title="Bhamashah Yojana">Bhamashah</a></li></ul></li> <li><a href="/wiki/Category:Government_schemes_in_Uttar_Pradesh" title="Category:Government schemes in Uttar Pradesh">UP</a> <ul><li>Global Investors Summit</li></ul></li> <li><a href="/wiki/Category:Government_welfare_schemes_in_Tamil_Nadu" title="Category:Government welfare schemes in Tamil Nadu">TN</a> <ul><li><a href="/wiki/Tamil_Nadu_Global_Investors_Meet" title="Tamil Nadu Global Investors Meet">Global Investors Meet</a></li></ul></li></ul> </div></td></tr><tr><td colspan="2" class="navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em">Closed/subsumed</div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Schemes</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Bharat_Nirman" title="Bharat Nirman">Bharat Nirman</a></li> <li><a href="/wiki/Jawaharlal_Nehru_National_Urban_Renewal_Mission" title="Jawaharlal Nehru National Urban Renewal Mission">National Urban Renewal</a></li> <li><a href="/wiki/Kasturba_Gandhi_Balika_Vidyalaya" title="Kasturba Gandhi Balika Vidyalaya">Kasturba Gandhi Balika Vidyalaya</a></li> <li><a href="/wiki/Kishore_Vaigyanik_Protsahan_Yojana" title="Kishore Vaigyanik Protsahan Yojana">Kishore Vaigyanik Protsahan</a></li> <li><a href="/wiki/National_Rural_Livelihood_Mission" title="National Rural Livelihood Mission">Rural Livelihood</a></li> <li><a href="/wiki/Pooled_Finance_Development_Fund_Scheme" title="Pooled Finance Development Fund Scheme">Finance Development Fund</a></li> <li><a href="/wiki/Rashtriya_Swasthya_Bima_Yojana" title="Rashtriya Swasthya Bima Yojana">Rashtriya Swasthya Bima</a></li> <li><a href="/wiki/Revised_National_Tuberculosis_Control_Program" class="mw-redirect" title="Revised National Tuberculosis Control Program">Tuberculosis Control</a></li> <li><a href="/wiki/Sampoorna_Grameen_Rozgar_Yojana" title="Sampoorna Grameen Rozgar Yojana">Sampoorna Grameen Rozgar</a></li> <li><a href="/wiki/Voluntary_Disclosure_of_Income_Scheme" title="Voluntary Disclosure of Income Scheme">Voluntary Disclosure of Income</a></li></ul> </div></td></tr></tbody></table></div>    </div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?type=1x1" alt="" width="1" height="1" style="border: none; position: absolute;"></noscript> <div class="printfooter" data-nosnippet="">Retrieved from "<a dir="ltr" href="https://en.wikipedia.org/w/index.php?title=National_Pension_System&oldid=1259423550">https://en.wikipedia.org/w/index.php?title=National_Pension_System&oldid=1259423550</a>"</div></div> <div id="catlinks" class="catlinks" data-mw="interface"><div 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