NPS (National Pension Scheme) से Retirement Planning in 2021

by | Dec 27, 2022 | Retirement Pension | 28 comments




NPS or National Pension Scheme is a Retirement Planning Investment product that also offers tax benefits. NPS provides Tier 1 Account for Pension Plan and Tier 2 Account for Investment Plan.

Tax benefits in NPS are provided under Section 80C – Section 80 CCD (1), Section 80 CCD (1B), and Section CCD (2). Through NPS, your money is invested in Equity markets, Corporate Bonds, and Government Securities by the Pension Fund Managers – LIC, SBI, UTI, HDFC, ICICI, Kotak, Reliance, and Birla Sun Life.

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Time Stamps

00:00 Introduction
01:22 What is NPS?
02:58 Benefits of NPS
05:00 Who manages your Money?
05:35 Types of Investment
07:42 How to Open NPS Account?
11:42 Options at Retirement
12:35 Partial Withdrawl of NPS
13:24 NPS TIER 2 Account

Related Videos:
NPS Tax Benefit –
NPS Calculator (Tier 1 & Tier 2 Accounts) –

You can either open an NPS account online through www.enps.nsdl.com or physically at one of the Points of Presence (POP) branches. You can find the nearest POP branch here – www.npscra.nsdl.co.in .

Once, you open NPS Tier 1 account, you will get a PRAN (Permanent retirement account Number) and then you can start investing.

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एनपीएस या राष्ट्रीय पेंशन योजना एक रिटायरमेंट प्लानिंग इन्वेस्टमेंट प्रोडक्ट है जो टैक्स बेफिट्स भी देता है। एनपीएस टियर 1 अकाउंट पेंशन प्लान के लिए और टियर 2 अकाउंट इन्वेस्टमेंट प्लान के लिए प्रदान करता है।

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एनपीएस में टैक्स बेनिफिट्स धारा 80 सी – धारा 80 सीसीडी (1), धारा 80 सीसीडी (1 बी) और धारा सीसीडी (2) के तहत प्रदान किए जाते हैं। NPS के माध्यम से, आपके धन का निवेश पेंशन फंड मैनेजर्स – LIC, SBI, UTI, HDFC, ICICI, कोटक, रिलायंस, बिड़ला सन लाइफ द्वारा इक्विटी मार्केट, कॉर्पोरेट बॉन्ड और गवर्नमेंट सिक्योरिटीज में किया जाता है।

आप या तो www.enps.nsdl.com के माध्यम से एनपीएस अकाउंट ऑनलाइन या फिजिकली पॉइंट ऑफ प्रेजेंस (पीओपी) शाखाओं में से एक पर खोल सकते हैं । आप निकटतम पीओपी शाखा – www.npscra.nsdl.co.in देख सकते हैं।

एक बार, आप एनपीएस टियर 1 खाता खोलते हैं, तो आपको एक पीआरएएन (Permanent retirement account Number) मिलेगी और फिर आप निवेश शुरू कर सकते हैं।

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In this video, we have explained:
What is NPS or national pension scheme?
How to invest in the national pension scheme?
What is PRAN number and what is the full form of PRAN?
What are the eligibility rules for opening a national pension scheme?
What are the tax benefits of the national pension scheme under Section 80C?
Who can open an account under NPS?
What are the benefits of the national pension scheme?
What is Tier 1 Account and Tier 2 Account in NPS?
Which is better Tier 1 vs Tier 2?
Where you can open a National Pension Scheme account?
Is it possible to open NPS account online?
How to find the nearest POP branch?
Where the money is invested in the NPS retirement planning scheme?

See also  Should I Put Riskier Stocks in my Roth IRA? | Portfolio Rescue 65

NPS is a retirement planning scheme introduced by the Government of India. NPS or National Pension Scheme can help save tax and also to get a regular pension after retirement. National Pension scheme was introduced in 2004 for Government Employees by the Government of India but in 2009 it was made accessible to all citizens of the country so that everyone can benefit from the scheme and plan their peaceful and more secure retirement.
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28 Comments

  1. Radha Raman

    You said in the beginning that you will talk about tax, but you did not discuss about it in entire video.

  2. Chandra Babu

    Only OPS ache hair poor dish may lagu Karo army or politition or judges inko pension kyum

  3. Milan Vidaja

    Is lump sum investment possible in nps?

  4. Amit Pathak

    Sar NPS scheme Mein yadi kisi employ ki bich Mein Hi death Ho Jaati Hai To Uske bare mein Jara bataen

  5. Nitin Aathnere

    NPS कहाँ कहाँ है सर जी
    कृपया बताइये
    भोपाल में कहाँ कहाँ है?

  6. Anand Jadhav

    So is it still tax free in 2022

  7. Ring Of Tones

    NPS ki financial year kab se start ho jati hai waise sir ?

  8. Ashutosh yadav

    Please Clarify, If a fund is invested as 70 percent in equity and after 1year the allocation is revised as 10 percent for equity then while changing asset allocation the earlier invested amount also get invested as per new allocation.

  9. Baijnath Rauniyar

    Nps entri age 3 year 60 sal se pensan mile

  10. Ankit Shah

    Nice explanation

  11. Ashutosh yadav

    What happens with earlier invested fund once the fund manager is changed. Is old fund also managed by new fund manager?

  12. Ankur Patel

    Death benefit he ya nahi?

  13. Sagarraj

    simple language m btao sir jo bechra pdha likha e jada ni h usko kya pta lgega equty assets pr

  14. Roshan Kumar

    Hello Sir, I have a query regarding retirement age, who will decide the retirement age, and what is the minimum retirement age for this scheme?

  15. KnowledgeBurner22

    sir, in nps how employer will contribute in investment..because i have a pf acount in which my company is contributing….so my question is will employer will contribute in both or else in any one?

  16. One Step Trading & Investing

    Aaj duniyabar ki CAG report batai ja rahi hai…lekin sach hai ye aaj NPS me 2000-3000 pension mil rahi hai. NPS me bahut sudhar ki jaroorat hai

  17. Ashish Joshi

    Sir not found that much usefull. 4-6 times you told that agli vedio me batayenge

  18. basant jangid

    Bank details update Q nhi ho raha hai

  19. Madhumita Sen

    Sip calcutaion paer vedio banaye

  20. Salma Baig

    Mobile app ki NPS account se dhokha dhari ka kya chances hai kya wey call karte hain jankari dene ya lene ke liye.

  21. Raju Toppo

    Agar itni acchi hai to Desh ke vidhayak sansad per kyon nahin lagu hoti

  22. Deepak Agrawal

    HI Mukul Sir, I have a query.
    kya hoga, Agar 60 years se pahle uski death ho jati hai to. ???

  23. Aseem Mathur

    If I invest 1.5 lakh in ppf and 50k in NPS, will I get tax benefit of 50k in 80ccd?

  24. Milind Raj

    Which type of saving bank account can be linked to nps account
    1. Only single name account
    or
    2. joint account can also be linked

  25. basant jangid

    sir nps m itna los q ho raha tha

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