Menu
NPS is a voluntary, long-term retirement savings scheme designed to provide financial security during retirement.
NPS operates with a dual-tier structure comprising a Tier I (mandatory for government employees) and a Tier II (optional and more flexible) account.
Investors can make regular contributions during their working years and have the flexibility to choose their contribution amount.
NPS offers subscribers the choice of selecting from various fund managers to manage their pension contributions.
Subscribers can opt for different asset allocation options, such as equity, corporate bonds, and government securities, based on their risk tolerance and financial goals.
Contributions made to the NPS are eligible for tax deductions under Section 80C of the Income Tax Act, with an additional benefit under Section 80CCD(1B).
NPS provides a steady income stream through annuity options post-retirement, ensuring financial stability during the retirement phase.
NPS accounts are portable, allowing subscribers to maintain their account even if they change jobs or locations. Access to the account is facilitated through online platforms.
NPS investments are managed by professional fund managers, optimizing returns for subscribers.
NPS encourages disciplined and systematic saving, helping individuals accumulate a significant corpus for retirement.
Bonds are fixed-income securities that represent a loan made by an investor to a borrower (usually a government or corporation) for a specified period.
Bonds have a predetermined maturity date, at which the principal amount is repaid to the bondholder.
Many bonds pay periodic interest, known as coupon payments, to the bondholder during the life of the bond.
Bonds can be issued by governments (government bonds) or corporations (corporate bonds) to raise capital.
Bonds are assigned credit ratings, providing an indication of the issuer's creditworthiness and the risk associated with the investment.
Bonds offer a fixed and predictable income through regular coupon payments, providing stability to investors seeking income.
Bonds provide principal preservation, as the face value is returned to the bondholder at maturity, offering a level of security.
Bonds contribute to portfolio diversification, balancing risk when combined with other asset classes like equities.
Bonds are generally considered lower risk compared to equities, offering stable returns and acting as a hedge against market volatility.
Certain bonds, like Treasury Inflation-Protected Securities (TIPS), provide a hedge against inflation by adjusting interest payments based on inflation rates.
Flat No 201, Durva Enclave, Ram Galli, Mahal, Nagpur-440002