National Pension System (NPS) Overview
The National Pension System (NPS) in India 2025 is a voluntary, defined-contribution pension scheme designed for retirement planning. Managed by the PFRDA, NPS allows flexible contributions with tax benefits up to ₹2 lakh under Section 80C and 80CCD(1B). LoanPao simplifies NPS enrollment through 500+ trusted partners, offering account activation within 1–3 days via e-KYC. Ideal for salaried, self-employed, and NRIs, NPS offers equity, debt, and government securities investment options. Explore related financial products like Personal Loan for additional financial needs.
Enroll below or contact us at +91-971-769-5334 for guidance. Use our EMI Calculator to plan related financial commitments.
Benefits of NPS
Tax Benefits
Up to ₹2 lakh deduction under 80C and 80CCD(1B).
Market-Linked Returns
7%–12% p.a. based on investment choice.
Flexible Contributions
Minimum ₹500/month or ₹6,000/year.
Trusted Partners
500+ PFRDA-registered providers.
Digital Enrollment
Quick e-KYC process online.
Regulated Scheme
Managed by PFRDA for security.
Eligibility Criteria
| Criteria | Details |
|---|---|
| Age | 18–70 years |
| Citizenship | Indian citizens or NRIs |
| Account Type | Tier I (mandatory) or Tier II (optional) |
| Occupation | Salaried, self-employed, or business owners |
| Minimum Contribution | ₹500/month or ₹6,000/year (Tier I) |
| KYC Compliance | Aadhaar or PAN required |
Check your eligibility or contact info@loanpao.in for assistance.
Documents Required
- Aadhaar Card or PAN Card
- Bank Account Details (with IFSC code)
- Passport-size Photograph
- Proof of Address (if different from Aadhaar)
- Proof of Income (optional, for Tier II)
How to Enroll in NPS
Join NPS with LoanPao in 3 steps:
- Fill the form below with your details.
- Complete e-KYC with Aadhaar/PAN and upload documents.
- Get your PRAN (Permanent Retirement Account Number) within 1–3 days.
Start now or call +91-971-769-5334 for support.
Compare NPS Providers
| Provider | Fund Management Fee | Investment Options | Account Opening Fee | Annual Maintenance |
|---|---|---|---|---|
| SBI Pension Fund | 0.09% | Equity, Debt, G-Sec | ₹200 | ₹70–₹400 |
| ICICI Prudential | 0.09% | Equity, Debt, G-Sec | ₹200 | ₹70–₹400 |
| HDFC Pension Fund | 0.10% | Equity, Debt, G-Sec | ₹200 | ₹70–₹400 |
Note: Fees are indicative as of July 2025. Contact LoanPao for updated details.
NPS Account Types
- Tier I Account: Mandatory, tax-deductible, with restricted withdrawals.
- Tier II Account: Optional, flexible savings account with no withdrawal restrictions.
- Corporate NPS: For employer-sponsored pension plans.
- NPS Lite: For low-income groups with minimal contributions.
- APY (Atal Pension Yojana): Guaranteed pension for unorganized sector workers.
Why Choose LoanPao for NPS Enrollment?
Wide Partner Network
Access 500+ PFRDA-registered providers.
Fast Enrollment
PRAN activation in 1–3 days.
24/7 Support
Reach us at +91-971-769-5334.
Tips for Successful NPS Enrollment
- Choose investment options (Active or Auto Choice) based on risk appetite.
- Contribute regularly to maximize compounding benefits.
- Leverage Section 80CCD(1B) for additional ₹50,000 tax deduction.
- Monitor fund performance via NPS online portal.
- Contact LoanPao for guidance on fund manager selection.