NPS Sanchay

NPS Sanchay

Eligibility

  • Any citizen of India between the age of 18 years and 85 years.
  • Subscribers may be on-boarded through a registered Point of Presence (PoP) or PoP-SP, or through the online NPS platform.


Default Investment Pattern

Life Cycle 25 – Low (5E / 55 Y): Government Securities (G) up to 65%; - Corporate Bonds (C) up to 45%; - Equity (E) up to 25%.

  • The default design eliminates the need for any active investment decision by the subscriber at the time of enrolment. The subscriber retains the option to switch to any other scheme under the Common Schemes or MSF at any time. NPS Sanchay is available across all Pension Funds registered with PFRDA.


Contributions

  • Initial contribution at the time of account opening: Rs. 250/-.
  • Subsequent minimum contribution: Rs. 10/- per contribution.
  • No minimum annual contribution requirement — contributions may be made at any time and in any amount, making NPS Sanchay suitable for subscribers with irregular or seasonal income.