Secure your retirement with disciplined, tax-efficient savings

At JaagravWealth, we help you build a robust retirement corpus through the National Pension Scheme (NPS) — a government-backed, low-cost, market-linked retirement savings plan.

What is NPS?

The National Pension Scheme (NPS) is a voluntary, long-term investment plan for retirement under the purview of the Pension Fund Regulatory and Development Authority (PFRDA) and the Government of India.

It combines the benefits of equity, corporate bonds, government securities, and alternative assets into a single, flexible portfolio.

Key Features of NPS

• Low-Cost Retirement Savings
  One of the lowest fund management charges among retirement plans.

• Flexible Contribution Options
  You can invest monthly, quarterly, annually — as per your convenience.

• Choice of Asset Allocation
  Choose between Active (self-managed) or Auto (age-based) investment options.

• Professional Fund Management
  Managed by trusted Pension Fund Managers (PFMs) licensed by PFRDA.

• Partial Withdrawal Facility
  Access up to 25% of your contributions for specific purposes like education, marriage, buying a house.

• Portable Across India
  Remains intact even if you change job or city.

NPS Tax Benefits

• Section 80CCD(1):
  Deduction up to ₹1.5 lakh (part of Section 80C limit).

• Section 80CCD(1B):
  Additional exclusive deduction up to ₹50,000 — over and above 80C!

• Section 80CCD(2):
  Employer’s contribution up to 10% of salary (basic + DA) is deductible (without a limit under 80C).

✅ Result: You can save up to ₹2 lakh (or more) annually through NPS!

Withdrawal and Maturity

• At 60 years:
  You can withdraw up to 60% of the corpus tax-free, and invest the remaining 40% into an annuity (pension).

• Before 60 years:
  Partial withdrawals allowed under special conditions.

Who Should Invest in NPS?

• Salaried employees wanting extra tax savings

• Self-employed professionals seeking disciplined retirement planning

• Young investors aiming for long-term wealth creation with tax efficiency

• Anyone looking for a low-risk, structured retirement solution