NPS for Individuals
Your Journey to a Secure and Comfortable Retirement Starts Here
Why Individual NPS?
Designed for every Indian citizen aged 18-70, Regular NPS offers a perfect blend of market-linked growth and government-regulated security.
Government Regulated
Overseen by PFRDA for maximum transparency.
Market Linked
Potentially higher returns than traditional savings.
Extra Tax Savings
Additional ₹50,000 deduction under 80CCD(1B).
Total Portability
Transfer across jobs and cities without any hassle.
How to Get Started
Begin your retirement journey in four simple steps through Abhipra.
Open Account
E-KYC based instant PRAN generation via Abhipra.
Invest Regularly
Contribute as per your convenience (Min ₹1000/year).
Watch it Grow
Professional fund managers handle your asset allocation.
Retire with Ease
Receive lump sum and monthly pension after 60.
Understanding Account Types
Tier I (Pension Account)
Mandatory for NPS enrollment
- Tax Benefits: Fully eligible for tax deductions.
- Withdrawals: Restricted until age 60 (with specific exceptions).
- Minimum: ₹500 to open, ₹1000 per year.
- Objective: Long-term retirement corpus building.
Tier II (Investment Account)
Optional add-on for liquidity
- Tax Benefits: No tax benefits for general individuals.
- Withdrawals: Fully flexible. Withdraw anytime like a bank account.
- Minimum: ₹1000 to open sub-account.
- Objective: Short-term wealth creation with market returns.
Manage Your NPS Account
Already have a PRAN? Keep your retirement corpus growing with ease.
Operational Guidelines
Everything you need to know about managing your Individual NPS account.
How to Open an Account?
You can open your account 100% online through Abhipra's PoP portal using your PAN and Aadhaar-based e-KYC. Offline forms are also available at our designated branches, or you can download them from our Download Center.
Investment Choices (Active vs Auto)
Active Choice: You decide the percentage in
Equity, Corporate Bonds, and Government Securities.
Auto Choice: Allocation changes automatically based
on your age (Life Cycle Funds).
Withdrawal Rules
Partial withdrawal of up to 25% of your contributions is allowed after 3 years for specific reasons like education, marriage, or critical illness.
Secure Your Golden Years Now
Don't wait for the right time. Start with as little as ₹500 and build a powerful pension corpus.
Register for NPS Individual