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Asset allocation choice, lock-in, aur maturity par kya hota hai
Published by The Retail Trader · JUL 24, 2026 · Retirement & Insurance
NPS ek retirement account hai jisme aap khud tay karte ho ki paisa equity, corporate debt aur government securities mein kitna jaayega. Uske do tier hain aur wo bilkul alag behave karte hain.
Tier 1 asli retirement account hai. Uspar lock-in hai — paisa retirement age tak lagbhag baandha rehta hai, kuch specific partial withdrawal ke alawa.
Tier 2 ek voluntary account hai jisme lock-in nahi hai, par uske saath Tier 1 wale tax benefits bhi nahi aate.
Ye cheezein NPS ka character banati hain:
• Active choice mein aap allocation khud chunte ho, auto choice mein wo umar ke saath badalti hai.
• Equity allocation par ek upper cap hota hai.
• Maturity par corpus ka ek hissa lump sum milta hai aur baaki se annuity leni hoti hai.
• Annuity ka rate us waqt ka hota hai, aaj ka nahi — yahi iska sabse bada uncertainty hai.
NPS ko sirf tax bachat ke liye chunna aadha faisla hai. Uska asli character lock-in aur compulsory annuity hai — agar wo dono aapke plan mein fit hain to product acha hai, aur nahi to tax benefit us bandhan ka muavza nahi hai.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.