NPS and Bonds

NPS and Bonds

NPS and Bonds

Unlock the potential of personalized investment strategies with our portfolio management services. Whether you opt for Small case, PMS, or AIF, our team crafts strategies tailored to your risk tolerance and financial goals. We continuously monitor and adjust your portfolio to adapt to market dynamics, ensuring your investments stay aligned with your evolving objectives.

National Pension Scheme (NPS)


Voluntary Long-Term Retirement Savings

NPS is a voluntary, long-term retirement savings scheme designed to provide financial security during retirement.

Dual-Tier Structure

NPS operates with a dual-tier structure comprising a Tier I (mandatory for government employees) and a Tier II (optional and more flexible) account.

Flexible Contributions

Investors can make regular contributions during their working years and have the flexibility to choose their contribution amount.

Choice of Fund Managers

NPS offers subscribers the choice of selecting from various fund managers to manage their pension contributions.

Asset Allocation Options

Subscribers can opt for different asset allocation options, such as equity, corporate bonds, and government securities, based on their risk tolerance and financial goals.


Tax Benefits

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).

Regular Income Post-Retirement

NPS provides a steady income stream through annuity options post-retirement, ensuring financial stability during the retirement phase.

Portability and Accessibility

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.

Professional Management

NPS investments are managed by professional fund managers, optimizing returns for subscribers.

Systematic Saving

NPS encourages disciplined and systematic saving, helping individuals accumulate a significant corpus for retirement.



Fixed-Income Securities

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.

Maturity Period

Bonds have a predetermined maturity date, at which the principal amount is repaid to the bondholder.

Coupon Payments

Many bonds pay periodic interest, known as coupon payments, to the bondholder during the life of the bond.

Issued by Governments and Corporations

Bonds can be issued by governments (government bonds) or corporations (corporate bonds) to raise capital.

Credit Ratings

Bonds are assigned credit ratings, providing an indication of the issuer's creditworthiness and the risk associated with the investment.


Fixed and Predictable Income

Bonds offer a fixed and predictable income through regular coupon payments, providing stability to investors seeking income.

Principal Preservation

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.

Stable Returns

Bonds are generally considered lower risk compared to equities, offering stable returns and acting as a hedge against market volatility.

Inflation Hedge

Certain bonds, like Treasury Inflation-Protected Securities (TIPS), provide a hedge against inflation by adjusting interest payments based on inflation rates.

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