Retirement Planning

National Pension System (NPS)

At Finzen Capital, we help you plan for a secure retirement through the National Pension System (NPS). NPS is a government-backed, voluntary pension scheme designed to provide regular income after retirement, while also offering tax benefits and the potential for market-linked returns.

Whether you are a salaried employee, a self-employed professional, or an NRI, NPS offers a flexible and cost-effective way to build a retirement corpus. With a choice of investment options and pension fund managers, you can tailor your retirement savings to match your risk appetite and financial goals.

Finzen Capital National Pension System
Why NPS

Benefits of Investing in NPS

NPS is one of the most efficient retirement savings vehicles in India, offering a unique combination of tax benefits, low costs, and market-linked returns.

Tax Benefits

NPS offers triple tax benefits – deduction on contributions under Section 80C (up to ₹1.5 Lakh) and Section 80CCD(1B) (additional ₹50,000), plus tax exemption on maturity proceeds under Section 10(12A).

Low Cost

NPS has one of the lowest expense ratios among all investment products, with fund management charges capped at 0.09% per annum, ensuring that more of your money stays invested.

Market-Linked Returns

NPS offers the potential for higher returns compared to traditional savings products, as your contributions are invested in a mix of equities, corporate bonds, government securities, and alternative assets.

Flexible Investment Options

Choose between Active Choice (customise your asset allocation) or Auto Choice (life-cycle based allocation). You can also select your preferred Pension Fund Manager.

Regulated & Transparent

NPS is regulated by the Pension Fund Regulatory and Development Authority (PFRDA), ensuring strict oversight, transparency, and investor protection in all aspects of the scheme.

Retirement Corpus

NPS helps you build a substantial retirement corpus through regular contributions and compounding. At retirement, you can withdraw 60% tax- free and receive the remaining 40% as a regular pension annuity.

Investment Options

NPS Investment Choices We Offer

Choose from a range of NPS investment options to match your risk tolerance, return expectations, and retirement goals.

Active Choice (Custom Allocation)

Take control of your asset allocation by choosing the percentage of your contributions invested across Equity (E), Corporate Debt (C), and Government Securities (G). Maximum equity exposure is capped at 75%.

Auto Choice (Life-Cycle Based)

A pre-defined asset allocation that automatically adjusts based on your age. The equity exposure reduces as you grow older, shifting to safer debt instruments near retirement.

Corporate Debt Option

Invest primarily in high-quality corporate bonds and fixed-income instruments. Suitable for investors seeking stable returns with lower volatility than equities.

Government Securities Option

Invest in sovereign-backed government bonds, offering the highest safety and guaranteed returns. Ideal for conservative investors near retirement.

Pension Fund Manager Selection

Choose from a list of PFRDA-registered Pension Fund Managers, each with a track record of managing NPS assets. We help you compare their performance, investment philosophy, and fees to make an informed decision.

Deep Dive

Understanding NPS Essentials

Start Your NPS Journey Today

Connect with our experts to open your NPS account, choose the right investment strategy, and start building your retirement corpus with confidence.

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