NPS

PFRDA Chairperson S. Ramann discusses the future of India’s retirement system, and whether employees may soon have the freedom to choose between the EPF and the NPS

New LC75 and BLC schemes offer central government employees flexible equity exposure and greater control over their retirement investments

Existing NPS accounts moved to UTI Pension Fund; subscribers can switch managers online

Investors must educate themselves and become more financially savvy to optimise the benefits of greater choice

Zomato and HDFC Pension have collaborated to introduce 'NPS Platform Workers Model' for delivery partners of the food delivery platform, in a bid to provide them access to formal retirement benefits. The model was formally launched by Finance Minister Nirmala Sitharaman at an event organised by the Pension Fund Regulatory and Development Authority (PFRDA) on October 1. "More than 30,000 delivery partners onboarded on Zomato have already generated their PRANs (Permanent Retirement Account Numbers) within 72 hours of this integration and the platform is committed to enable over 1 lakh delivery partners with their NPS retirement accounts within 2025," Zomato said in a statement. Zomato operates on a gig-first model, supporting an average of 5,09,000 independent monthly active delivery partners as of Q1 FY26. According to a NITI Aayog report, the number of platform workers in India is estimated to grow to 23.5 million by FY 2029-30. Currently, there exists a gap in terms of awareness a

The 100 per cent equity option could appeal to younger investors with a long investment horizon who want more growth from equities.

As the September 30 deadline approaches, the central government employees must choose between the assured payouts of UPS and the market-driven growth of NPS.

The 50:50 split is highly effective for those navigating competing responsibilities: supporting children, managing loans, and caring for elders, while dreaming of vacations and legacy.

The FAQs confirm that the tax incentives applicable to the National Pension System will also extend to UPS, providing certainty to government employees under the new framework

Pension regulator urges earlier submissions amid reports of website glitches

Government gives NPS subscribers who joined after April 2025 till Sept 30 to switch to UPS, offering a chance to choose between assured pension and market-linked returns

: PFRDA updates CRA fees for NPS, UPS, APY and NPS-Vatsalya from October 1; Check how PRAN opening and annual maintenance charges will impact your pension savings.

A frozen NPS account blocks contributions and tax perks, but reactivation is simple, here's the step-by-step process to get it back on track

Employees under UPS now have one-time option to shift back to NPS before retirement; assured payouts end but government adds 4% extra to NPS corpus at exit

Retirement fund managers in India have asked the Pension Fund Regulatory and Development Authority to ease the cap on the purchase of corporate bonds with a maturity period of less than three years

In a bid to promote Unified Pension Scheme, the government has made necessary changes to provide tax benefits to employees opting for UPS at par with those under National Pension System (NPS). The inclusion of UPS under the tax framework marks another step forward in the government's effort to strengthen retirement security for central government employees through transparent, flexible and tax-efficient options, the finance ministry said in a statement. "The government has decided that tax benefits as available under NPS would apply mutatis mutandis to UPS as it is an option under NPS," it said. These provisions ensure parity with the existing NPS structure and provide substantial tax relief and incentives to employees opting for the UPS. The finance ministry through a notification dated January 24, 2025 had notified introduction of the UPS as an option under NPS for the recruits to the central government civil service with effect from April 1, 2025, giving one-time option to the .

They expect monthly pension of more than Rs 1 lakh but only 11% confident their investments will be sufficient, it says

If millions of gig workers are forced into EPF without the option of NPS, complaints about the system's inefficiencies will intensify as its shortcomings inevitably emerge

Such benefits are over and above the existing NPS entitlements, including annuities

Missed a contribution to your NPS account? Learn how to unfreeze it by making the required payment and get back on track with your retirement savings.