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National Pension System (NPS)

Long-term retirement planning through India’s government-backed pension scheme — tax-efficient, low-cost, and professionally managed.

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Secure Your Retirement

Here’s what makes our National Pension System (NPS) offering stand apart.

Tax Benefits

Triple tax advantage — deduction under 80CCD(1) within 80C limit, additional ₹50,000 under 80CCD(1B), and employer contribution under 80CCD(2).

Asset Allocation

Choose between aggressive, moderate, and conservative life-cycle funds — or customise your equity-debt-government securities mix.

Low Cost

NPS has among the lowest fund management charges in the world — as low as 0.01% — maximising your retirement corpus.

Pension Planning

We model your retirement income needs and work backwards to determine the right monthly contribution and asset allocation.

Why Choose Credilent Capital

What sets us apart in National Pension System (NPS).

Retirement Expertise

We help you calculate exactly how much corpus you need for a comfortable retirement and design the contribution plan.

Fund Manager Selection

Guidance on choosing between NPS fund managers based on their track record across equity, corporate bonds, and government securities.

End-to-End Support

From Tier-I and Tier-II account opening to annual contribution planning and annuity selection at retirement.

Frequently Asked Questions

Common questions about National Pension System (NPS).

Minimum ₹500 per contribution for Tier-I, with a minimum annual contribution of ₹1,000. Tier-II has no minimum balance requirement.

Partial withdrawal is allowed after 3 years for specific purposes (education, home purchase, medical). Full exit before 60 requires 80% annuitisation.

At age 60, 60% of the corpus can be withdrawn tax-free. The remaining 40% must be used to purchase an annuity, whose income is taxable.

Each serves a different purpose. NPS is ideal for retirement with extra tax benefits, PPF for guaranteed returns, ELSS for equity exposure with 3-year lock-in. We help you choose the right mix.

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Speak with our experts about National Pension System (NPS) — no obligation, complete clarity.

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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 performance may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. We deal in Regular Plans only for Mutual Fund Schemes. We are not a Registered Investment Advisor and we do not charge any fee to our clients.

AMFI Registered Mutual Funds Distributor | ARN-359303 | Valid: 22/04/2026 – 21/04/2029

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