Sahare Wealth · NPS
Build your pension with NPS
The National Pension System is a low-cost, market-linked retirement scheme regulated by PFRDA. Open your NPS account online through FundzBazar, with help from Sahare Wealth.
- Regulated by PFRDA
- Low cost
- Tax benefits on Tier I
Two accounts
Tier I and Tier II
Tier I is your pension account. Tier II is an optional savings account you can add later.
| Feature | Tier I | Tier II |
|---|---|---|
| Purpose | Retirement pension account | Optional savings account |
| Who can open | Every NPS subscriber starts here | Only with an active Tier I; not available to NRIs and OCIs |
| Minimum | ₹500 to open, ₹1,000 a year | ₹1,000 to open, ₹250 per contribution |
| Withdrawals | Restricted until exit, with limited partial withdrawals | Withdraw any time |
| Tax benefits | Yes, within limits under income-tax law | No |
Investment choice
How your money is invested
Your contributions are invested by a pension fund you choose, in four asset classes.
E
Equity
Shares of companies. Up to 75% in Active Choice. Higher growth potential, with more ups and downs.
C
Corporate bonds
Bonds issued by companies. Steadier than equity, with some credit risk.
G
Government securities
Bonds issued by the government. Lower credit risk, but prices move with interest rates.
A
Alternate assets
Investments such as REITs, InvITs and AIFs. Limited to 5% in Active Choice.
Active Choice
- You decide how much goes into each asset class
- Suits people who want to manage the mix themselves
Auto Choice
- A life-cycle fund reduces equity as you get older
- Choose aggressive, moderate or conservative versions
You can change your pension fund once a year and your asset mix up to four times a year.
Getting your money
Exit and withdrawal rules
For non-government subscribers, as revised by PFRDA in December 2025. Check the latest rules before you exit.
Normal exit
At 60, or after 15 years
- At least 20% buys an annuity (pension)
- Up to 80% as a lump sum or regular withdrawals
- Corpus up to ₹8 lakh: withdraw it all
- Corpus of ₹8–12 lakh: up to ₹6 lakh as a lump sum, the rest through regular withdrawals or an annuity
Early exit
Before normal exit
- At least 80% buys an annuity
- Only up to 20% as a lump sum
- Corpus up to ₹5 lakh: withdraw it all
Partial withdrawal
For specific needs
- After 3 years in NPS
- Up to 25% of your own contributions
- Up to 4 times before 60
- For needs such as children's education or marriage, a home, or medical treatment
Annuity income is taxable. Only part of the lump sum may be tax-free; check with your tax adviser.
Get started
Open your NPS account in 4 steps
Account opening is online through FundzBazar. Message us on WhatsApp if you get stuck.
-
Start with our link
Click “Open NPS via FundzBazar” and register with your mobile number and email.
-
Complete your KYC
Verify your identity with PAN and Aadhaar, and add your bank account.
-
Choose your options
Pick a pension fund and Active or Auto Choice, and add your nominee.
-
Make your first contribution
Pay at least ₹500. You get a PRAN (Permanent Retirement Account Number) that stays with you for life.
Before you invest
Good to know
Returns aren't fixed
NPS is market-linked. Your pension depends on how your investments perform.
Long-term commitment
Tier I money is meant for retirement. Early exit sends most of your corpus into an annuity.
Tax benefits vary
Deductions depend on your tax regime and on whether your employer contributes. Check with your tax adviser.
Contribute every year
Put in at least ₹1,000 a year in Tier I to keep your account active.
Keep your nominee updated
Review your nominee after major life events such as marriage or the birth of a child.
Keep your login private
Never share your PRAN password or OTP with anyone, including us.
Official sources
Check the details yourself
Questions
Frequently asked questions
Are NPS returns guaranteed?
No. NPS is market-linked, and returns depend on the pension fund and asset mix you choose. Past returns of each pension fund are published by NPS Trust.
Can NRIs invest in NPS?
Yes. Indian citizens living abroad and OCIs aged 18 to 70 can open a Tier I account. HUFs and PIOs are not eligible.
What tax benefits do I get?
Tier I contributions qualify for deductions under income-tax law, within limits. The benefit depends on your tax regime and on whether your employer contributes. Tier II has no tax benefit.
What happens if I miss a year's contribution?
Your Tier I account may become inactive. You can reactivate it by paying the minimum contribution as per PFRDA rules.
Can I withdraw money before 60?
Yes, in two ways: partial withdrawal for specific needs after 3 years, or early exit, where at least 80% must buy an annuity unless your corpus is ₹5 lakh or less.
Does Sahare Wealth guarantee returns?
No. We help you open and manage your NPS account. Investment choices and returns are yours.