What is NPS National Pension System?
National Pension System (NPS) is a voluntary, contributory pension scheme regulated by PFRDA (Pension Fund Regulatory and Development Authority). Open to all Indian citizens aged 18–70. Invest in market-linked pension funds and receive a monthly pension after age 60. NPS offers additional tax deduction of ₹50,000 under Section 80CCD(1B) over and above the ₹1.5 lakh 80C limit.
NPS National Pension System — Quick Overview
| Scheme Name | NPS – National Pension System 2026 — Market-Linked Pension + 80CCD Tax Benefit ₹2 Lakh |
| Launched By | Government of India |
| Launch Year | 2004 |
| Benefit | Market-linked pension at 60 + ₹50,000 extra tax deduction (80CCD-1B) + ₹1.5 lakh 80C benefit |
| Category | Finance |
| Last Verified | 2 May 2026 |
| Official Portal | https://enps.nsdl.com |
राष्ट्रीय पेंशन प्रणाली (NPS) PFRDA द्वारा विनियमित स्वैच्छिक पेंशन योजना है। 18-70 वर्ष के सभी भारतीय नागरिक निवेश कर सकते हैं। बाजार से जुड़े पेंशन फंड में निवेश करें और 60 वर्ष के बाद मासिक पेंशन पाएं। NPS में Section 80CCD(1B) के तहत अतिरिक्त ₹50,000 और 80C के ₹1.5 लाख = कुल ₹2 लाख तक टैक्स बचत।
60 वर्ष के बाद मासिक पेंशन + ₹50,000 अतिरिक्त 80CCD टैक्स छूट + 80C ₹1.5 लाख = कुल ₹2 लाख टैक्स बचत
Benefits of NPS National Pension System
Market-linked pension at 60 + ₹50,000 extra tax deduction (80CCD-1B) + ₹1.5 lakh 80C benefit
Who is Eligible for NPS National Pension System?
- ✓Indian citizen (resident or NRI) aged 18 to 70 years
- ✓Government employees (mandatory Tier-I NPS since 2004) and private sector (voluntary)
- ✓Self-employed, salaried, and business owners all eligible
- ✓Non-Resident Indians (NRIs) can open NPS but repatriation rules apply
- ✓OCI card holders are NOT eligible
Documents Required for NPS National Pension System
How to Apply for NPS National Pension System Online?
- 1enps.nsdl.com पर जाएं और 'Registration' पर क्लिक करें
- 2Aadhaar OTP eKYC से instant account खुलता है
- 3Tier-I (pension account — mandatory) और Tier-II (savings account — optional) चुनें
- 4Preferred pension fund चुनें (SBI, LIC, HDFC, Kotak आदि में से)
- 5Initial contribution करें — Tier-I minimum ₹500, Tier-II minimum ₹1,000
- 6Permanent Retirement Account Number (PRAN) मिलेगा
- 7हर साल minimum ₹1,000 (Tier-I) जमा करें
- 860 वर्ष पर minimum 40% annuity खरीदनी होगी — बाकी lump sum निकालें
Official Government Portal
Applications go through enps.nsdl.com only. Applying is free of charge — no agent, middleman or "consultant" is ever required.
🔗Apply on enps.nsdl.com