SahiSavings

National Pension System (NPS)

Follow your NPS contributions and projected retirement corpus.

Open the NPS dashboardCompare NPS schemes
Sahi Savings app National Pension Scheme screen showing current value, total invested and Tier 1 and Tier 2 investments.
App screens are shown with sample data and do not indicate actual balances or returns.

What it is

The National Pension System is a voluntary, market-linked retirement scheme regulated by PFRDA. You contribute during your working years; the money is invested by pension fund managers across equity, corporate bonds and government securities.

Who it may be useful for

  • People building a retirement corpus over many years.
  • Employees whose employer contributes to NPS.
  • Taxpayers under the old regime looking at the additional deduction under Section 80CCD(1B).

Whether it suits you depends on your own goals and circumstances.

Benefits

  • Low-cost, long-term retirement investing.
  • A choice of pension fund managers and asset mix.
  • Tax deductions on contributions, subject to the regime you choose and the limits in force.

Things to consider

  • Returns are market-linked and are not guaranteed.
  • Tier I money is largely locked in until age 60. Partial withdrawals are limited to specific purposes.
  • At exit, part of the corpus must be used to buy an annuity, and annuity income is taxable.

How Sahi Savings helps

  • Monitor your NPS contributions in a dashboard.
  • See retirement corpus projections based on assumptions you can change.
  • Compare pension fund performance.

Steps

  1. Add your NPS account details in the app.
  2. Review your contributions and current asset mix.
  3. Use the projection to see how changes in contribution affect your corpus.

Questions

Are the corpus projections a promise?

No. Projections are illustrations based on assumed rates of return. Actual returns depend on market performance.

What tax benefit does NPS offer?

Under the old regime, your own contribution can qualify under Section 80CCD(1) within the 80C limit, plus up to ₹50,000 under Section 80CCD(1B). Employer contributions are deductible under Section 80CCD(2) within limits. Confirm the rules for the current financial year.

Who manages my NPS money?

PFRDA-registered pension fund managers. Sahi Savings does not manage NPS funds.

Open the NPS dashboard in the app

Download the app, enter your basic details and set a passcode. Then add your tax regime and investments to see everything together.

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