NPS (National Pension System)
✓ Last verified 14 Sep 2026
The short version
NPS is a voluntary, market-linked retirement account open to any Indian citizen aged 18-70, not just government employees, with its own dedicated tax deductions beyond standard 80C.
See our full articles on EPF/NPS/PPF together, NPS Tier 1 vs. Tier 2, and NPS for non-government employees for the complete picture - in short, NPS lets you invest across equity, corporate debt, and government bonds in proportions you largely choose, with a portion mandatorily annuitized at retirement.
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