{"id":3872,"date":"2023-12-19T13:09:20","date_gmt":"2023-12-19T07:39:20","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=3872"},"modified":"2023-12-19T13:11:05","modified_gmt":"2023-12-19T07:41:05","slug":"unlocking-the-benefits-of-nps-your-guide-to-the-government-approved-pension-scheme","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/unlocking-the-benefits-of-nps-your-guide-to-the-government-approved-pension-scheme\/","title":{"rendered":"Unlocking the Benefits of NPS: Your Guide to the Government-Approved Pension Scheme"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/unlocking-the-benefits-of-nps-your-guide-to-the-government-approved-pension-scheme\/#An_Overview\" >An Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/unlocking-the-benefits-of-nps-your-guide-to-the-government-approved-pension-scheme\/#10_Reasons_for_Choosing_NPS_as_an_Instrument_for_a_Portfolio\" >10 Reasons for Choosing NPS as an Instrument for a Portfolio<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"An_Overview\"><\/span><b>An Overview<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The New Pension Scheme was started by the government to encourage government employees for retirement planning. Later, it was opened to the general public, and there are 10 reasons for choosing NPS as an instrument for a portfolio.\u00a0<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3873\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/12\/blogm.png\" alt=\"\" width=\"1920\" height=\"1080\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"10_Reasons_for_Choosing_NPS_as_an_Instrument_for_a_Portfolio\"><\/span><b>10 Reasons for Choosing NPS as an Instrument for a Portfolio<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">NPS works like a mutual fund and offers you the most economical instrument to invest in a mutual fund. Generally, a mutual fund charges approximately 1% towards expenses, but NPS charges only 0.3% towards expenses. This gives you a benefit of over 0.7% on a recurring basis. If you have a long-term horizon, then it increases your total corpus.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fund Management: It is goal-based management. It is dynamic because debt exposure keeps increasing post age 50, giving security to your fund.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Tax Rebate under Section 80 CCD (1B): Saving under section 80 C is limited to Rs 150,000, but you can increase it to Rs 2 lakh by investing in NPS. This means you save an additional Rs 15,000 from taxes if you are in the 30% tax bracket.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Tax Rebate for employees under section 80 CCD (2): You can save further on tax if your employer contributes 10% of your salary towards NPS. Your employer needs to contribute as part of CTC, and the full contribution is not added to your income. (Government employers can contribute up to 14%)<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax-Free Maturity \u2013 Unlike mutual funds, NPS gives you tax-free maturity. In mutual funds, capital gain up to Rs 1 lakh is tax-free, and other capital gain is taxed at a rate of 10%. In NPS, you are allowed to withdraw 60% of proceeds, and all 60% is tax-free under section 10 (12 A). Moreover, 40% of proceeds are used to buy annuity, and this 40% is also tax-free.<br \/>\n<a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Liquidity in an emergency: After 3 years, you are allowed to withdraw 25% of your own investment for family goals and emergencies.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Long-Term commitment: As NPS is used for long-term retirement purposes, hence you do not use it for any other purpose. Market returns are maximum with time in the market.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Flexibility: You can do systematic as well as lump sum investment as per your own requirement. Moreover, you have two types of accounts i.e. Tier 1 and Tier 2. Tier 2 accounts are allowed only to Tier 1 account holders and can be used like any other mutual fund account.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Easy access: Like a unique PAN number, you have a unique PRAN number in NPS. This PRAN number is a must to open an NPS account.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regulation PFRDA: NPS is regulated by a government body called PFRDA, hence have all government security towards your account safety.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">So go ahead and open your NPS account today. Best wishes from Insurance Samadhan.<\/span><\/p>\n<p><b>By- Shailesh Kumar<\/b><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here to register your complaint with Insurance Samadhan<\/strong><\/a><\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/unlocking-the-benefits-of-nps-your-guide-to-the-government-approved-pension-scheme\/\"\n  },\n  \"headline\": \"Unlocking the Benefits of NPS: Your Guide to the Government-Approved Pension Scheme\",\n  \"description\": \"Discover the benefits of choosing NPS for your portfolio. 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Later, it was opened to the general public, and there are 10 reasons for choosing NPS as an instrument for a portfolio.\u00a0&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/unlocking-the-benefits-of-nps-your-guide-to-the-government-approved-pension-scheme\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":3874,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[357,337],"tags":[],"class_list":["post-3872","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-national-pension-scheme","category-pension-plan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Unlocking the Benefits of NPS: Your Guide to the Government-Approved Pension Scheme - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Discover the benefits of choosing NPS for your portfolio. 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