Start Growing Your Wealth
Optimize Retirement Wealth Through NPS Allocation
Achieving a secure, worry-free future is a planned reality with the National Pension System (NPS). This powerful tool systematically builds your retirement corpus.
NPS: The Strategic Pillar for Your Retirement
Regulated by the Pension Fund Regulatory and Development Authority (PFRDA), NPS offers distinct benefits for enduring financial strength:
Empowering Your NPS
Investment Journey
We streamline the complexities of NPS, offering essential tools and dedicated support
Effortless Account Activation
Our platform provides a straightforward digital process for easily opening and activating your NPS account.
Personalized Advisory Services
SEBI-registered advisors offer tailored recommendations on asset allocation and PFM selection.
Transparent Performance Tracking
Access intuitive dashboards to monitor your NPS investments and corpus growth in real-time.
Informed Decision Support
Gain access to crucial data and insights to make well-informed choices regarding your NPS contributions.
Tailoring Your Retirement Strategy
NPS provides flexible account types and investment approaches to suit individual needs:
Tier 1 Account
Active
Direct Portfolio Management
You directly determine your investment allocation percentage across Equity (E), Corporate Debt (C), Government Securities (G), and Alternative Assets (A).
Auto
Automated Allocation
Your asset allocation automatically adjusts based on your age, progressively de-risking as retirement approaches.
Primary Retirement Focus
Safeguard your original investment in a stable environment.
Tier 2 Account
General bank account
General bank account
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Flexible Supplementary Savings
A voluntary account offering greater liquidity and withdrawal flexibility, generally without Tier I tax benefits.
Your Simple 3-Step Process to
NPS Success with inXits
Initiating your NPS investment is clear and guided
Step-01
Define Retirement Goals & Risk Profile
Clearly outline your retirement aspirations and assess your personal comfort level with investment risk.
Step-02
Select Your Optimal NPS Plan
Choose the ideal NPS account type, investment choice, and Pension Fund Manager that aligns with your strategy.
Step-03
Initiate Contributions Effectively
Begin making contributions via SIPs (minimum ₹500 per transaction and ₹1,000 annually) or lump sums, completing your e-KYC digitally.
Key Disclaimers & Information
- While a portion of the NPS corpus is tax-free at maturity, the annuity income you receive from the remaining corpus is fully taxable as per your income tax slab in that financial year. This is a crucial point that can significantly impact your post-retirement net income.
- NPS may not be suitable for individuals with a short-term investment horizon or those who require high liquidity. It is specifically designed for long-term retirement planning
Got Questions?
Get Answers. Fast.
A PRAN is your unique 12-digit Permanent Retirement Account Number, identifying your NPS account.
Partial withdrawals are allowed for specific reasons after 3 years, up to 25% of your contributions, with full early exit possible after 5 years, converting 80% to annuity.
At age 60, 60% of your lump sum withdrawal is tax-exempt; the remaining 40% must buy a taxable annuity.
Yes, robust encryption and security protocols are employed to protect your information.
You can withdraw up to 20% of your corpus as a lump sum (taxable), but 80% must be used to purchase a mandatory annuity.
Secure your retirement with inXits
Thousands of astute subscribers trust us to optimize their retirement corpus. Now, it's your opportune moment to leverage tax-efficient compounding and secure your financial future with NPS.
Start Building
Your Future Today!
Secure your financial future with the National Pension System and inXits. Contact us for personalized guidance.
