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Retail NPS made simple
Think of this as your own retirement plan.
Retail NPS is designed for individuals who want to invest for their future — independently.
You contribute regularly. Your money is invested across equity and debt.
Over time, this builds a retirement corpus that supports you with income later.
All within a regulated, low-cost framework under PFRDA.
If you’re | you are eligible!
Unlock additional tax savings with Retail NPS, a tax efficient pension scheme, under 80CCD(1) and 80CCD(1B) available in old tax regime
Over 1.65 crore Indians are already building their future with Retail NPSSource: Press release 22nd April 2025, Ministry of Finance, www.pib.gov.in
Start your own retirement plan
No employer required — you’re in control
Save more on taxes
Up to ₹2 lakh in deductions under Sections 80CCD(1) & 80CCD(1B)
Built for long-term growth
Market-linked investments that compound over time
Flexible and portable
Change jobs, cities, even goals — your account stays
Low-cost investing
More of your money stays investedStay invested. Watch it multiply
Make your next innings count
Opening your Retail NPS online is quick and straightforward.
Go to the ‘Contribute’ section
Start your NPS journey online
Enter your details
Fill in your basic information
Verify your PRAN
Confirm your account details
Make your contribution
Complete your payment securely
Watch. Learn.Get Started. See the process in action
Prefer to do this offline?
If you’d rather do this in person, you can visit our nearest branch and get started easily.
Visit a branch
Head to your nearest Point of Presence (PoP)
Fill in your details
Complete the registration and KYC forms
Receive your PRAN
Your account is processed by CRA (Central Record Keeping Agency) and your PRAN details are shared.
Make your first contribution
Deposit your cheque along with the NCI slip (NPS contribution instruction slip) at the PoP.