National Pension Scheme (NPS) क्या हैं?

National Pension Scheme (Government Pension Scheme) :

The National Pension Scheme (Government Pension Scheme) was started in 2004 for government employees only. Under this scheme all government employees were benefited but it was again revised in 2009 and is implemented for all employees. Under the NPS, all the retired employees get benefits and we will get information about this here. What is National Pension Scheme? And how is it beneficial for all citizens.

If you are working somewhere or there is someone in your home who works in an institution and they do not have information about it, then through the tips given here, you can get information about the national pension scheme And here we will get detailed information about all the important facts related to it.

When a person is elected from his post, he needs financial support and the National Pension Scheme helps such people financially. Today all the employees of the country save some money from their salary and save it for their future.

When a person retires from his post, then after that person continues to have regular income, then future planning has to be done for this. So that after retirement, the person does not face financial problem and he can spend his remaining life comfortably.

NPS, which is in full form National Pension Scheme, is a government scheme under which all employees can save some money for their future.

The way people invest money in places like Mutual Funds Scheme so that they do not have problems in future, similarly NPS scheme is similar for all employees. Through this, he can keep some income for himself.

National pension scheme was started in 2004 and at that time its benefits were limited to only a few types of government employees but again in 2009 the government started it for all categories of employees and today all kinds of employees Can take advantage

Any employee who is employed in any government post and keeps saving some money for himself in NPS scheme, then after some time, he can withdraw some part of the money collected at the same time and what will be left is his retirement. After that he will continue to get some money regularly.

All employees of these classes can invest…

• For Central Government Employees
• For State Government Employees
• For private sector employees
• For common citizens
• Who can join NPS scheme?

Any Indian citizen resident or non-resident can invest in this scheme ?

A person of 18-60 years can invest in this scheme. Following the KYC process, citizens can join the scheme as individuals and employee-employer groups.
Non-Resident Indian (NRI) can also invest in this scheme. Contributions made by NRI are regularized by RBI and FEMA.

National Pension Scheme Account

For any person who wants to take benefit of this under NPS account, then they will have to submit all the necessary documents given in the NPS scheme and then a permanent retirement account number is given to the person who is short named PRAN (Permanent Retirement Account Number) Is known from

This account always remains open after number one and there are many types of accounts in NPS.

Tier 1 Account:

This account is for retirement and it is specially for saving. If a person opens Tier 1 account then his account is non-withdrawing.

Tier 2 Account:

This is an account that is selected by the person himself and is also a saving account. In this, the customer can withdraw money whenever he wants and in this way no benefit is given for the account.

Benefits of NPS

This is a very good and effective scheme under which all employees can get good benefits. Employees can plan a future for themselves by saving a small part of their income.
The government has increased the exemption limit on final withdrawal from NPS to 60% from 40%.
The Government of India has decided to separate the NPS scheme from the Pension Fund Regulatory and Development Authority (PFRDA).
According to the new rule, NPS customer can claim deduction up to 10% of gross income under section 80CCD (1) of the Income Tax Act in the total limit of Rs. This limit is 1.5 lakhs under section 80CCE.

Each Employee is identified by a Specific Number and has a separate PRAN which is portable, ie it remains the same even if the employee is transferred to another office. The NPS number is always the same and it cannot be changed only, it can be transferred from one office to another.

If you do not know about it, then you can get information about it by calling 022-2499-3499 and it is its official helpline number and with it all the necessary information related to it can also be found on NSDL portal.

How to open National Pension Scheme Account Online?

Opening NPS account is very easy and any person can easily open an account in 20 to 50 minutes. If you have an account in any of the 17 banks associated with National Security Deposit Limited (NSDL), then you can open NPS account through this guide.

Required Documents:

If a person wants to open an account, then he must have the following documents.

• Mobile number
• Email
• Photo
• Signature
• Active Bank Account

If you have all these necessary documents, then you are ready to open the NPS scheme account and you can open the account just by following some easy steps.

STEP 1. You open the NSDL portal and click on the National Pension Scheme button. Your registration process will start from here.

STEP 2. Now you have to fill all the necessary information by clicking on the registration button, enter the applicant type, etc. and then you can process the form.

On its registration, you will have to give some such information.

• Applicant Type
• Status of Applicant
• Register With
• Account Type
• Enter PAN
• Select your Bank / POP

Here you will get to see the list of the entire bank and from here you can select your bank where you want to open the account.

STEP 3. Then you have to verify the complete detail and pay a charge of Rs 125 and then you can submit the form by uploading photo, signature and your phone will be sent information about it.

If there is any problem of any kind in opening an NPS account, then the NPS helpline number 1800110708 can be contacted. If the toll-free number is for all new and old subscribers to solve the problem.


Friends, what are National Pension Scheme (NPS) and how can you apply for it? You can get information about this through this post and you can submit the application for Online NPS account. If you have any question or suggestion, then you must tell about it in the comment and share this post on your social media profile so that people can know about it.