NPS SUBSCRIBERS
PFRDA aims NPS expansion via banks, UPI integration; eyes corpus of around Rs 100 lakh crore by 2040
The regulator is looking to accelerate growth beyond the organic expansion of the pension market by using the existing digital financial infrastructure to bring more people into the long-term savings system.
NPS rule changes from December 1, 2026: PFRDA clarifies how NPS schemes should be named and displayed on PoP platforms
PFRDA has updated its framework governing the classification and presentation of schemes under the National Pension System. The changes will come into effect on December 1, 2026, clarifying scheme naming and display rules.
Government clarifies GPF rules for deceased employee’s claim: Ministry reveals who among family members and nominees get GPF money
GPF for government employees: The government has provided crucial updates on the General Provident Fund (GPF) policies concerning the beneficiaries of deceased government employees. While family nominees will be entitled to the GPF funds, certain stipulations apply. In cases where valid nominees are absent, family members will inherit equal portions of the GPF sum, but exclusions are noted for adult sons and married daughters.
Revised NPS PoP charge implementation date extended to December 1, 2026: Why it matters for many NPS & NPS Lite subscribers
The PFRDA has now pushed back the implementation date for updated PoP charges that impact NPS and NPS Lite subscribers to December 1, 2026. This extension provides extra time for subscribers to prepare.
PhonePe rolls out NPS account opening with Rs 250 contribution, no fresh KYC
PhonePe has introduced a digital process for users to open National Pension System accounts. This new facility allows an initial contribution of Rs 250 without needing to upload documents. Users can verify their linked bank accounts using OTPs and make payments through PhonePe UPI. The service is aimed at individuals looking to start retirement planning easily and flexibly. Future expansions will include additional banking partners to enhance accessibility.
NPS subscribers are less swayed by short-term market movements now, says Axis Pension Fund CEO Sumit Shukla
Axis Pension Fund intends to enhance its National Pension System offerings to provide better retirement savings options. The introduction of NPS Swasthya addresses the health insurance needs for older customers effectively. Despite tax benefits, low awareness continues to hinder corporate NPS uptake among employees. Further clarity on Tier-II NPS account taxation and extended tax deductions could encourage broader participation.
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RBI rate hikes: How short-duration funds and high-quality corporate bonds can protect your debt portfolio
Investors must position fixed income portfolio for further rate hikes. But this cycle may look different.
NPS Charges: ₹20,000 a year on ₹1 crore corpus; What subscribers should know before investing through PoP
Thinking about joining the National Pension System (NPS)? The choice you make between accessing e-NPS or utilizing a Point of Presence (PoP) can greatly influence your overall costs for years to come. Grasping the fee structures associated with PoP and any potential extra charges is vital for both newcomers and seasoned subscribers. Uncover the best approach for your retirement investments.
These state govt employees can apply for Old Pension Scheme over NPS if they satisfy the conditions in this 2026 govt order
Approximately 275 teachers in Jammu and Kashmir have faced issues with their pension scheme status. They were regularised after January 1, 2010, yet argue for the Old Pension Scheme benefits. The Central Administrative Tribunal has ruled that the teachers can apply for the Old Pension Scheme under new government guidelines. However, the final decision hinges on fulfilling specific conditions outlined in the government order.
NPS Central launched: Subscribers can now access CRA, pension fund and PoP services at single perform
The Pension Fund Regulatory and Development Authority has rolled out NPS Central, a transformative digital platform designed for hassle-free management of National Pension System accounts.
Home loan closed? 5 smart ways to use your surplus EMI money for insurance, retirement and emergencies
People often get emotional about closing their home loan early and start using a majority of their funds to aggressively pay off this obligation.
NPS investment in startups: AINPSEF writes to PM Modi seeking probe and asks for dissolution of NPS Trust
Manjeet Singh Patel has alleged serious financial irregularities concerning the National Pension System Trust. He has requested a high-level audit by the Comptroller and Auditor General of India. Patel asserts that many employees' NPS investments have turned negative due to poor market performance. He demands the implementation of a guaranteed minimum return on employee contributions.
GPF interest rate for October-December 2026 quarter: Has Finance Ministry changed GPF rate from 7.1%?
The Ministry of Finance has set a 7.1% interest rate for the General Provident Fund, which will be applicable from October 1 to December 31, 2026. This rate will also extend to other funds linked to government establishments. The Finance Ministry evaluates the GPF interest rate every quarter, ensuring consistent returns for government employees saving in these funds.
Soon, FD details will be part of your CAS statement; Here’s how it helps you
Soon you will get to see your fixed deposit (FD) details in CAS statements. CAS stands for consolidated account statements and it is usually sent by NSDL, CDSL, Karvy or CAMS. This CAS statement at present shows your demat and non-demat holdings including mutual funds, bonds, listed shares.
J&K Old Pension Scheme: These employees can switch from NPS to OPS
The Jammu and Kashmir government is offering eligible employees a rare chance to transition from the National Pension System (NPS) to the Old Pension Scheme (OPS). This opportunity is available to those appointed to specific roles prior to December 2009, provided they joined on or after January 2010, with applications accepted until December 2026. To apply, employees must submit requests to a Drawing and Disbursing Officer.
How much risk can you take? Pension regulator plans to ask before you choose an NPS scheme
PFRDA is set to launch a suitability platform to evaluate the risk appetite of NPS subscribers. This platform will be integrated across various NPS interfaces for better assessment. The aim is to enable subscribers to make informed choices about their pension schemes. Recent studies indicate a growing interest in NPS among individuals planning for retirement. Despite increasing interest, pension coverage in India remains low at around 17-18%.
5 rule changes from October 1: SBI ATM charges, MDR on UPI, bulk FD rates, KYC for LPG subsidy and more
In October 2026, significant changes to banking and finance regulations will take effect, impacting numerous services. Furthermore, the Reserve Bank of India will introduce new disclosure protocols regarding bulk fixed deposits, and UPI transaction fees will be revised for amounts exceeding Rs 2,000 starting October 15.
UPS for Railway employees: Assured pension, VRS and one-time switch to NPS explained
The Ministry of Railways has announced the Unified Pension Scheme rules for employees covered under the National Pension System. Employees appointed after January 1, 2004, are eligible for this scheme and will contribute 10% of their basic pay. A minimum pension of Rs 10,000 is assured after completing ten years of service. Additionally, employees can opt for voluntary retirement after 20 years of service.
NPS Swasthya latest guidelines: How much do you need to contribute? Check fees, withdrawal and exit rules
The PFRDA has unveiled comprehensive operational guidelines for the NPS Swasthya health cover. These guidelines specify minimum contributions, premium costs, and rules for partial withdrawals. NPS Swasthya supports family floater policies for subscribers, their spouses, and children.
Is Punjab heading towards UPS-like pension scheme? Here’s what its notification suggests
The Punjab government is taking a closer look at its pension scheme for state employees, with the goal of aligning benefits more closely to the Old Pension Scheme. This comprehensive review will assess both the administrative and financial aspects necessary for effective implementation while also drawing insights from successful practices in other states. A revised pension structure is set to be proposed following this in-depth analysis.
NPS risk labels: Will PFRDA’s new framework help subscribers make better choices
The unwieldy retirement scheme is becoming more organised through risk-based classification, standardised disclosures, uniform naming conventions, and consistent presentation.
100% equity NPS schemes have attracted younger investors, says Sriram Iyer, MD & CEO, HDFC Pension Fund
The multiple-scheme framework introduced last year, the lower mandatory annuitisation requirement, and the growing focus on non-government subscribers and gig workers are broadening NPS’s appeal, Sriram Iyer, MD & CEO, HDFC Pension Fund, tells Preeti Kulkarni.
Will your NPS linked retirement get derailed if you change your job? Here’s what you can do to keep your retirement on track
Changing jobs? Make sure your National Pension System (NPS) account doesn’t get overlooked. Learn how your Permanent Retirement Account Number (PRAN) stays transferable, what happens to your contributions when you switch jobs, and why reassessing your retirement savings plan is essential during this transition, not just adjusting your paycheck.
Global Fintech Fest 2026: PFRDA plans inflation-linked bonds to offer inflation-protected pension returns
India's pension regulator is developing innovative bond issuances for inflation-protected returns. Guidelines for these new products are expected within days, with rollout to follow soon. The PFRDA is also working on a guaranteed-return scheme for non-government employees. This initiative aims to provide more predictable retirement income for subscribers. The regulator also plans to expand pension coverage among informal sector workers.
Moving abroad? Know what happens to your NPS account after you become an NRI
Non-Resident Indians are permitted to maintain their National Pension System contributions from abroad. To remain involved, they must utilize NRE or NRO accounts for their investments. NRIs can select either active or auto allocation strategies aligned with their individual risk preferences.
Can you stop NPS contributions for a few years? Know the impact before you take a break
Experiencing a financial setback? Halting NPS contributions may appear to be the only option, but have you considered the long-term consequences for your retirement fund? Delve into the longevity of your existing investments, what the minimum contribution requirements are, and how taking a break can influence your tax advantages.
PFRDA proposes 10 key changes to PoP rules: What NPS subscribers need to know
The PFRDA has unveiled ten significant proposals aimed at reforming its Points of Presence rules to enhance the pension service landscape. These updates intend to streamline the onboarding process for subscribers while introducing fresh eligibility standards to include a wider range of entities as Points of Presence. Additionally, an annual fee structure will be implemented, and pension agents will receive a new designation.
EPF vs NPS: Rs 10,000/monthly investment in each; where you may get a higher retirement corpus?
The National Pension System (NPS) and the Employee Provident Fund (EPF) both serve unique purposes for retirement planning. The ultimate financial growth from these investments significantly relies on future market performance, allowing both options to potentially build substantial wealth over time.
Revised NPS rules for subscribers: PFRDA classifies NPS schemes into five categories; how it will make scheme selection easier for you
NPS subscribers will experience significant changes in pension fund categorization and presentation. A new framework standardizes scheme selection, offering five broad categories for subscribers. Lifecycle schemes will be sub-categorized, while MSF schemes will have five distinct equity exposure levels. The pension body also mandates a new procedure for comparing charges, returns, and risk. This initiative aims to enhance subscriber decision-making regarding their pension investments.
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