एनपीएस वात्सल्य के बारे में

एनपीएस वात्सल्य के बारे में

एनपीएस वात्सल्य योजना (यहां "योजना" कहा गया है) राष्ट्रीय पेंशन प्रणाली (एनपीएस) के तहत पेंशन फंड नियामक और विकास प्राधिकरण अधिनियम, 2013 की धारा 12(1)(a) और धारा 20 के अनुसार कवर की जाएगी। यह अंशदायी पेंशन योजना विशेष रूप से नाबालिगों के लिए है, जिसका उद्देश्य "विकसित भारत@2047" के दृष्टिकोण से प्रेरित होकर एक पेंशनयुक्त समाज बनाना और बच्चों को सशक्त बनाना है।

यह योजना पेंशन फंड नियामक और विकास प्राधिकरण (पीएफआरडीए) द्वारा पीएफआरडीए अधिनियम, 2013 के प्रावधानों और प्राधिकरण द्वारा जारी विनियमों और दिशानिर्देशों के अनुसार विनियमित की जाएगी। सभी नाबालिग जो भारत के नागरिक हैं, स्वैच्छिक आधार पर इस योजना में भाग लेने के पात्र होंगे।

Benefits

For Employees / Subscribers
•    Formal Retirement Security: Access to a structured pension account — providing retirement security to millions of MSME workers who currently have no formal social security coverage.
•    Account Portability: The PRAN stays permanently with the employee. Even if they change jobs, switch employers, or start their own business, the NPS account continues seamlessly.
•    Market-Linked Wealth Creation: Contributions are invested across equity, corporate bonds, and government securities under PFRDA-regulated Pension Fund Managers, enabling long-term corpus growth. Returns are not guaranteed but reflect market performance (NAV published daily).
•    Partial Withdrawal: To serve the immediate financial needs before age of 60 years, the subscriber can withdraw up to 25% of their own contributions for specific purposes, education, marriage, medical treatment, or purchase/construction of a house, up to a maximum of 4 times, with a gap of at least 4 years between each withdrawal.
•    Flexibility in Exit up to Age 85: Subscribers can defer exit and continue contributing up to age 85, allowing the corpus to keep growing even after retirement.
•    Nominee Protection: In case of the subscriber's death, the entire corpus is paid to the nominee or legal heir as per PFRDA rules.
•    Tax Benefits (Self-contribution): Under the Old Tax Regime: deductions under Section 80CCD (1) up to ₹1.5 lakh, plus an exclusive additional deduction of ₹50,000 under Section 80CCD(1B).
•    Tax Benefits (Employer contribution): Exempt under Section 80CCD (2) — up to 10% of Basic+DA under Old Tax Regime and up to 14% of Basic+DA under New Tax Regime (subject to overall combined cap of ₹7.5 lakh).