Topic
The National Pension System is a market-linked retirement scheme regulated by PFRDA.
130 storiesLatest 15 Oct 2026, 20:56 IST
Retirement/
PFRDA Circular PFRDA/2021/31/SUP-POP/5 fixes the turnaround times, compensation and grievance rules your bank or post office must follow on an Atal Pension Yojana account, with APY set beside NPS.
Retirement
PFRDA's eAPY facility opens an Atal Pension Yojana account online with Aadhaar, no branch visit. How APY onboarding, Aadhaar seeding, taxation and drawdown work in 2026, and how it compares with NPS.
Retirement
Your NPS PRAN never changes when you switch jobs, sectors or cities. We compare it with employer-tied EPF and gratuity, the 2025 exit rules and Section 10(12A) tax.
Retirement
If an NPS subscriber dies before 60, the registered nominee can claim the entire corpus as a tax-free lump sum under the Section 80CCD(3) proviso, with no 20% annuity floor. A worked drawdown guide.
Retirement
Reaching 60 does not force an NPS exit: the All Citizen account continues to 75, letting you defer the 60% lump sum and the mandatory annuity. A drawdown comparison.
Retirement
At NPS exit you must annuitise part of your corpus from seven PFRDA pension variants. Compare life, joint-life and return-of-purchase-price options under the 2025 rules, with worked drawdown and tax.
Retirement
NPS Active Choice lets you hold up to 75% equity; Auto Choice tapers it with age via LC75, LC50 and LC25. We compare both, the tax on withdrawal, and a worked drawdown.
Retirement
APY gives a guaranteed Rs 1,000-5,000 monthly pension from age 60, but from 1 October 2022 any income-tax payer is barred. How it compares with NPS on eligibility, tax and drawdown.
Retirement
NPS Tier-II is the liquid, no-lock-in sibling of your pension account. How its withdrawals, slab-rate tax and costs compare with a debt fund for a retirement drawdown bridge.
Retirement
PFRDA's 14 January 2025 master circular binds the same agent who sells you NPS and APY. We compare the schemes' drawdown rules and the 80% withdrawal versus 60% tax-exemption divergence.
Retirement
PFRDA's 10 December 2025 master circular resets NPS non-government investment rules. Active vs Auto Choice, the 80/20 exit split, Section 10(12A) tax and a worked drawdown.
Retirement
Since May 2023, PFRDA has required an annual independent audit of every bank that sells Atal Pension Yojana. Here are the PoP audit rules, the tax on withdrawal and what the guaranteed pension pays.
Retirement
PFRDA circular PFRDA/2026/46/REG-POP/08 sets a flat Rs 200 onboarding fee and 0.20% annual AUM charge for NPS and NPS Lite from 1 October 2026 — and the e-NPS route pays nothing.
Retirement
PFRDA circular PFRDA/2026/48/REG-PF/11 (28 Aug 2026) standardises how NPS schemes are classified and presented. What it changes for comparing funds, plus 2025 exit tax and a worked drawdown.
Retirement
PFRDA's 14 September 2026 advisory makes the Transaction ID mandatory when CG-SG NPS contributions reach the Trustee Bank. Here is how the government-sector NPS is taxed and drawn down at exit.
Retirement
PFRDA's 18 September 2026 circular moves NPS Swasthya live: a mandatory super top-up health cover bolted to a pension account. We compare its drawdown maths against a conventional NPS plus standalone health plan.
Retirement
PFRDA's new NPS PRIDE-DISHA tool kit helps subscribers choose a pension fund, set asset allocation and project returns. Here are the 2026 exit rules, Section 10(12A) tax and a Rs 1 crore drawdown.
Retirement
NPS gives you two accounts on one PRAN: a retirement-locked Tier I and an anytime-withdrawal Tier II. Compare rules, withdrawal tax and a worked drawdown for 2025-26.
Retirement
How the NPS All Citizen Model works after the 19 December 2025 PFRDA amendment: the 80% lump-sum limit, the 60% tax exemption, and a worked drawdown against PPF, EPF and SCSS.
Retirement
Cash out of the National Pension System before age 60 and only one-fifth comes as a lump sum, with four-fifths compulsorily annuitised. PFRDA's December 2025 rewrite also scrapped the lock-in.
Retirement
PFRDA's 19 December 2025 amendment lets non-government NPS subscribers take 80% as lump sum and 20% as annuity at 60. We compare it with the old 60/40 rule, the tax cap and a Rs 1 crore drawdown.
Investing
SEBI's 2017 categorisation gave Retirement and Children's Funds a mandatory 5-year lock-in. We compare them against NPS, Sukanya Samriddhi and PPF on exit rules and 12.5% capital-gains tax.
Retirement
PFRDA rewrote the NPS partial withdrawal rule on 19 December 2025: four draws before 60, a four-year gap, withdrawals now allowed to age 85, and two permitted purposes deleted.
Retirement
How the NPS Government Sector rules split a central government employee's corpus at superannuation, premature exit and death: the 40/60 and 80/20 annuity floors, and how each half is taxed.
Retirement
At NPS exit, at least 40% of your corpus must buy a pension from an empanelled Annuity Service Provider. How to pick the provider and plan, how each is taxed, with a worked drawdown.
Retirement
NPS Tier I is the locked, tax-advantaged pension account; Tier II is a no-lock-in, no-tax-benefit add-on. Compare rules, 80CCD deductions, exit tax and a worked drawdown.
Retirement
NPS Vatsalya lets a guardian run a pension account for a child from birth; at 18 it converts to a regular NPS Tier I, with 80% annuitisation once the corpus tops Rs 2.5 lakh.
Retirement
PFRDA's NPS Corporate Sector exit rules explained: 40% annuity and 60% lump sum at superannuation, 80/20 on premature exit, full withdrawal below Rs 5 lakh, and continuation or deferment up to age 75.
Retirement
PFRDA's 80% annuity floor on NPS-Lite and Swavalamban applies to exit before 60, not at 60. At 60 the split is 40/60, and the Rs 1,000 minimum-pension proviso can erase the lump sum.
Retirement
At 60, PFRDA requires at least 40% of your NPS corpus to buy a monthly annuity and releases up to 60% as a lump sum that Section 10(12A) exempts. A corpus of Rs 5 lakh or less escapes the annuity.
Tax
Section 115BAC keeps only three Chapter VI-A deductions alive in FY 2025-26: 80CCD(2), 80CCH and 80JJAA. What each is worth, and what a Rs 18 lakh salary pays once 80C and HRA go.
Retirement
PFRDA's 17 June 2026 circular audits the banks and post offices selling Atal Pension Yojana. We set APY's guaranteed Rs 5,000 pension against NPS on rules, tax and drawdown.
Retirement
NPS now lets retirees stage the 60% lump sum as a monthly paycheque via Systematic Lump Sum Withdrawal (SLW). See how a Rs 60 lakh balance can pay out about Rs 1.03 crore over 15 years.
Retirement
How Atal Pension Yojana's five fixed slabs work: the spouse keeps the same monthly pension for life, and the nominee gets up to Rs 8.5 lakh corpus, plus the tax rules.
Retirement
The Union Cabinet has extended Atal Pension Yojana funding to FY 2030-31 with 8.66 crore subscribers enrolled. How APY compares with NPS on rules, tax and retirement drawdown.
Retirement
Since 1 October 2022, income-tax payers cannot open a new Atal Pension Yojana account. The APY rules, contribution chart, tax on the pension, and the NPS route taxpayers must use instead.
Retirement
PFRDA data as on 09-08-2026 shows NPS at Rs 17.7 lakh crore across 2.29 crore subscribers and APY past 9 crore enrolments. How NPS and APY compare for retirement drawdown, with tax and worked examples.
Retirement
NPS is open to any Indian citizen aged 18 to 85, so you can start a fresh account after 60. Here is how the late-entry rules, tax on withdrawal and a worked drawdown versus SCSS actually work for FY 2025-26.
Retirement
NPS Vatsalya lets a guardian open a market-linked pension for any child below 18 from Rs 250 a year. We compare it with SSY and PPF, the tax rules, and a birth-to-60 drawdown.
Retirement
The Unified Pension Scheme, effective 1 April 2025, assures central government employees 50% of their last 12-month average basic pay after 25 years. How UPS compares with NPS on tax and drawdown.
Retirement
PFRDA's 2026 circulars - same-day NPS investment, twin PoP audit frameworks and the PRIDE-DISHA toolkit - change the plumbing, not the tax. Here is how NPS and APY compare at drawdown.
Retirement
APY guarantees a Rs 1,000 to Rs 5,000 monthly pension for an outlay from Rs 210 a month, but since 1 October 2022 income-tax payers can no longer open a new account. A full guide to contributions, tax and drawdown.
Retirement
Atal Pension Yojana guarantees a government-backed pension of Rs 1,000 to Rs 5,000 a month for life from age 60. Who can join after the 2022 income-tax bar, how it is taxed, and a worked drawdown.
Retirement
Section 80CCD(2) on employer NPS contributions survives the new tax regime at up to 14 percent of salary versus 10 percent under the old regime. How it is taxed at exit, with a 25-year worked drawdown.
Retirement
PFRDA's 2024 Master Circular lets NPS Tier I subscribers withdraw up to 25 percent of their own contributions, thrice in a lifetime, tax-free under Section 10(12B). Here are the rules, the tax, and the true compounding cost.
Retirement
NPS Tier I locks your money to age 60 for tax breaks; Tier II lets you withdraw anytime with none. A rules, tax and worked-drawdown guide to which rupee is retirement money.
Retirement
How the NPS Corporate model exit works for salaried employees: the 40/60 annuity-lump-sum split at 60, 80/20 on premature exit, and why the 25% partial-withdrawal cap applies only to your own contributions.
Retirement
At age 60 the NPS forces at least 40% of your corpus into an annuity and lets you take up to 60% as a tax-free lump sum. How the split, the tax and drawdown really work.
Retirement
Tier I is the locked NPS retirement account carrying every 80CCD deduction; Tier II offers same-day withdrawals but no tax benefit. Rules, exit slabs and a worked drawdown.
Retirement
Central government NPS pairs a 10% employee contribution with 14% from the government. We compare the G-100, LC-25 and LC-50 Tier I choices, the tax on exit, and a worked drawdown at 60.
Retirement
NPS at 60 forces a 40% annuity and up to a 60% tax-free lump sum, with full withdrawal under Rs 5 lakh. Exit rules, Section 10(12A) tax and a worked annuity vs SWP drawdown.
Retirement
Under the NPS Corporate model, Section 80CCD(2) lets an employer shelter up to 14% of salary from tax in the new regime. Here is how the deduction, exit rules and drawdown work for FY 2025-26.
Retirement
The Unified Pension Scheme gives central government staff an assured 50% pension from 1 April 2025. Compare UPS with NPS, the CBDT tax rules and a full worked drawdown.
Retirement
PFRDA lets NPS subscribers take up to 25% of their own contributions, tax-free under Section 10(12B), for a child's education or marriage, a house, or specified illness after three years.
Tax
Section 80CCD(1B) gives an extra Rs 50,000 NPS deduction over the Rs 1.5 lakh 80C ceiling, worth up to Rs 15,600 in tax. Here is how to claim it in the old regime for FY 2025-26.
Retirement
APY guarantees a fixed Rs 1,000 to Rs 5,000 monthly pension from age 60 for savers aged 18 to 40 outside the tax net. Slabs, contribution chart, tax rules and a 42-year worked drawdown versus NPS.
Retirement
NPS Vatsalya lets a guardian open a pension account for any child under 18 from Rs 250, running to age 60. How it compares with SSY and PPF, the tax rules and a worked drawdown.
Retirement
PFRDA's 2023 SLW facility lets NPS subscribers draw the 60% commuted lump sum in monthly, quarterly or annual instalments up to age 75 while the balance stays invested and tax-exempt under Section 10(12A).
Retirement
Exit NPS before 60 and PFRDA forces 80% of your corpus into an annuity, leaving only 20% as cash. The premature-exit rules, the tax on each rupee, and a worked 15-year drawdown.
Enforcement
The Securities Appellate Tribunal quashed a PFRDA penalty of Rs 9,00,592 on Alankit Assignments and set aside the refusal of its NPS registrations, finding the case unsustainable.
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