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National Pension System (NPS) is one of the best retirement plans to ensure a fixed income for life. National Pension System offers subscribers the choice to invest in corporate bonds, Government securities or equity.

To view National Pension System Performance Click here

Circulars Click here

open an account

Stockholding offers advisory services to all National Pension System account holders

To open a new account and partake of our advisory services

open nps account

If you already have a NPS account and wish to avail advisory service

Apply Now

Eligibility

Applicants must be:

Citizens of India
Between 18 to 70 years
KYC compliant
Without pre-existing National Pension System Account.

Types of National Pension System accounts

Tier I:

Contributions done to this account are eligible for an additional tax deduction benefit of up to ₹ 50,000/- u/s 80CCD (1B), over and above ₹ .1,50,000/- u/s 80C. 60% of the invested amount can be withdrawn on completing 60 years and the rest will be used to provide annuity.

Tier II:

One can invest an additional amount in Tier II National Pension System Account. This amount can be entirely withdrawn at any point of time. No tax benefits are available in this account. Kindly note that in order to open a Tier II account, it is mandatory to open a Tier I account first.

A subscriber can invest in both types of accounts under One Permanent Retirement Account Number (PRAN).

Minimum contribution
Tier I - ₹ 500/- Tier II - ₹ 1000/-

Minimum subsequent contribution amount required
Tier I - ₹ 500/- Tier II - ₹ 250/-

Minimum contribution required per year
Tier I - ₹ 1000/- Tier II - NIL

Minimum contributions required in a year
Tier I - ONE Tier II - NIL

Copy of Operative PAN (Mandatory, and linked with Aadhaar), verified with original
CKYC number (if not available, CKYC number should be made available within 10 days of PRAN activation)
Recent photograph of subscriber AND
Copy of one of below OVD (Officially Valid documents), verified with original alongwith In-Person Verification stamp and sign by branch official,
- The passport
- The driving licence
- Proof of possession of Aadhaar number,
- The Voter's Identity Card issued by Election Commission of India,
- Job card issued by NREGA duly signed by an officer of the State Government and
- The letter issued by the National Population Register containing details of name, address,or any other document as notified by the Central Government in consultation with the Regulator.

Benefits of National Pension System

Additional tax benefits

National Pension System offers an additional deduction of ₹ 50,000/- u/s 80CCD (1B)
Lump-sum withdrawal

Withdraw up to 60% of corpus accumulated on maturity. The rest will be preserved to provide for pension/annuity
Safe

National Pension System is backed by the Government of India and is regulated by Pension Fund Regulator under Government of India (PFRDA)
Low cost & zero hidden charges

Minimum ₹ 1,000/- in a financial year with no hidden charges
Hassle-free access

Subscribers can access their account from any location by quoting the unique Permanent Retirement Account Number (PRAN) number
Convenient

Account opening and subsequent contributions can be made online