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National Pension System

Introduced by the Central Government to help the individuals have income in the form of pension to take care of their retirement needs.

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The Pension Fund Regulatory and Development Authority (PFRDA) regulates and administers NPS under the PFRDA Act, 2013.

It is a market-linked defined contribution scheme that helps you save for your retirement. Simple, voluntary, portable and flexible it is one of the most efficient ways of boosting your retirement income and saving tax. Helps you to plan for a financially secure retirement with systematic savings in a planned way.

Types of Accounts

NPS scheme is structured into two tiers

Tier-I Account:

Permanent retirement account into which the regular contributions made by the subscriber and/or their employer and are credited and invested as per the scheme/fund manager chosen by you.

Tier-II account:

This is a voluntary / optional withdrawable account which is allowed only you have an an active Tier I account. The withdrawals are permitted from this account as and when you require.

Eligibility

You should be between 18 - 70 years of age as on the date of submission of your application to the POP/ POP-SP / online through e-NPS

Benefits of National Pension System

Additional tax benefits

National Pension System offers an additional deduction of ₹ 50,000/- u/s 80CCD (1B)

Lump-sum withdrawal

Withdraw up to 60% of corpus accumulated on maturity. The rest will be preserved to provide for pension/annuity

Safe

National Pension System is backed by the Government of India and is regulated by Pension Fund Regulator under Government of India (PFRDA)

Low cost & zero hidden charges

Minimum ₹ 1,000/- in a financial year with no hidden charges

Hassle-free access

Subscribers can access their account from any location by quoting the unique Permanent Retirement Account Number (PRAN) number

Convenient

Account opening and subsequent contributions can be made online

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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.

AMFI Registered Mutual Fund Distributor – ARN-104434 | Date of initial registration – 7th August 2015 | Current validity of ARN – 6th Aug 2027

Grievance Officer- Mr. Ranjan Sharma | contact@cognitywealth.in

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