Logo

Invest in National
Pension System (NPS)

National Pension System (NPS) is a pension cum investment scheme launched by Government of India to provide old age security to Citizens of India. NPS offers regular income for a stress-free retirement.

  • Save taxes upto ₹62,400*

  • Monthly pension post retirement

  • TAX FREE withdrawals on maturity

Open New Account

Start your NPS investments with us, open new account and begin building your retirement corpus

Already Invested?

Sign in to your account and add more contributions.

Update your KYC Details

Keep your account compliant by updating the KYC details

NPS Calculator

Investment Amount

Your Age

Yrs 

Estimated retirement amount at the age of 60

₹*

Breakdown of your amount

Lumpsum Amount

₹

(60%) One time amount at the age 60

Tax Free

+

Monthly Pension

₹/month

(40%) Lifetime monthly pension after retirement

Taxable as per tax slab

*Amount is calculated considering returns of 12% p.a.

Verify KYC

Benefits of NPS

Upto 62,400*
Taxes saved

under section 80C & 80CCD(1)

Monthly Pension

post your retirement

Retirment Corpus

Direct to your bank account

Steps to invest in NPS

1

Add personal details

To get started quickly we need your details.

2

Choose the account type

between corporate account and individual account

3

Select investment plan & scheme

select the plan as per your risk appetite

4

Complete KYC & you're done

you've secured your retirement!

Investing just got an upgrade.
Experience SKY.

Looking for a reliable retirement plan? Safeguard your future with NPS. Start investing today with HDFC SKY and pave the way to a worry-free retirement.

Install SKY

Frequently Asked Questions

Any citizen of India, aged between 18-65 years as on the date of submission of his/her application can invest in NPS. The citizens can join NPS either as individuals or as an employee-employer group(s). However, OCI (Overseas Citizens of India), PIO (Person of Indian Origin) card holders and HUFs are not eligible for opening an NPS account. Currently, investment in NPS on HDFC Securities is available for Indian citizens who are resident and pay tax in India.
Subscriber can make investments of upto ₹2,00,000 to be eligible for tax saving of ₹62,400*. Individual investments of up to ₹50,000 to be eligible for tax deduction u/s 80CCD (1B) - Tax saving of ₹15,000*.
Under NPS there are two types of accounts, Tier 1 & Tier 2. Tier 1 account is mandatory for investing in NPS and all the tax benefits are associated with this account type. However, withdrawals are restricted and conditional. Tier 2 is optional and an add-on to Tier 1 account. Subscribers are free to withdraw their investments from this account at very low cost whenever they wish.
The National Pension System (NPS) has a minimum lock-in period of 3 years. After this period, Partial withdrawals can be made under specific conditions: Partial Withdrawal: After completion of 3 years, a subscriber can withdraw 25% of their Voluntary contributions as Tax-Free for reasons such as critical illness, disability, education or marriage of children, property purchase or development, or starting a new venture. This can be done up to 3 times during the entire tenure. Premature Exit: After completion of 5 years, a subscriber can withdraw a maximum of 20% of the corpus value as a lump sum and Tax Free whereas, minimum 80% must be used to purchase an annuity plan for pension, unless the corpus value is less than ₹2.5 lakh, it can be withdrawn as lump sum.