Best Retirement Pension Plans in India | Arihant Capital

Get your retirement secured with NPS

Invest in National Pention Scheme with Arihant - an easy, affordable tax efficient retirement savings solution for almost anyone

Safe savings solution launched by Government of India & regulated by PFRDA

Tax benefits under Section 80C & 80CCD

Affordable & tax-efficient retirement product with low minimums

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Key Features

Saving for retirement can be a daunting task, but it doesn’t have to be. With a managed NPS account, you can build a portfolio to grow your savings to fund the retirement you have always dreamt of.


Every Indian citizen (including NRIs) who is between 18-65 years is eligible to invest in NPS. However, the person should not be undischarged insolvent or of unsound mind.

To apply for the NPS, he subscribers should comply with the Know Your Customer (KYC) norms as detailed in the subscriber registration form.

tax-benifitsTax benefits

Tax benefit under IT Section 80C up to Rs 1.5 lacs and additional benefit of Rs 50,000 for tax deduction under Section 80CCD.

Under Corporate NPS, the employer can deduct 10% of employee’s salary as business expense and the same amount is allowed for deduction for the employee with no upper limit

account-typeAccount types

Tier I - Pension account (mandatory account) with tax benefits and restricted withdrawals.

Tier II - Investment account (optional account) with no tax benefit but corpus is withdrawable anytime.

investment-optionInvestment options

Auto Choice: Investment in equity, corporate debt and government securities is made in pre-defined proportion depending on the investor’s age.

Active Choice: Investors have the freedom to design their portfolio allocation between equity, corporate debt and government securities and alternative assets (like Real Estate Investment Trusts) tailored to their needs


Start with a minimum investment of as low as Rs 500 for Tier I plan and Rs 1,000 for Tier II. Even the yearly contribution is very low - Rs 1,000 (minimum amount per contribution Rs 500) for Tier I plan and no compulsory yearly contribution. in Tier II. However, the minimum investment per contribution is Rs 250 in later.


At maturity age of 60yrs, subscriber can withdraw 60% of the corpus from Tier 1 tax-free, while 40% to be reinvested in a life annuity product for getting regular pension. Amount reinvested in purchase of annuity, is fully exempt from tax. However, subsequent annuity income will be subject to tax as per your applicable income tax slab.

Investor in Tier II plan can withdraw money anytime, but it will be taxable.

National Pension Scheme for Corporates

Contribute towards your employee retirement savings with Corporate National Pension Scheme. NPS plans offer a good way for employees to save money for their future, and for both employers and employees to save on taxes. Whether you are a small business or a large corporate, you can register for Corporate NPS with Arihant to help your employees plan their retirement. Here are 3 reasons why you should offer NPS benefits as part of compensation package to your employees:

Recruit and Retain

Adding NPS investment to your employees’ compensation package gives you that extra edge to stand out amongst your competitors. Attractive benefits are now a must.

Incentivize Performance

Boost your employee performance by using retirement perks as incentives. When your employees meet specified goals, reward them by contributing towards their NPS account.

Tax Perks

Employer contribution towards NPS are tax deductible as business expense (10% of employee’s salary)

Let's get started

Tell us more about your company so we can set you up with NPS for your employees

Why invest in NPS with Arihant?


Authorized POP NPS provider

We are registered under PFRDA to act as a point of presence (PoP) to help you make investments under National Pension Scheme.

Our advisors across 700+ investment centers pan India will help you with your NPS


Get solid advice – at no cost

We just don’t help you with investing in NPS but take a step further. We make your retirement planning simple, jargon-free and stress-free.

From planning to execution, our advisors will work with you to get a clear understanding of your current financial situation and find the best ways to save for retirement.


Robust investing tools

Get easy-to-use online platform to invest in NPS with us along with professional insights from our team of specialists.

How to invest in NPS?


Fill in the NPS application form

Keep your Aadhaar (or PAN), passport size photo, scanned image of signature and mobile ready


Pick your pension plan and investment mode

Select from eight pension funds and decide your asset allocation


Make contribution in your account

Pay through net banking or your debit or credit card


Get your PRAN

After your payment is approved, you’ll get a unique permanent retirement account number (PRAN)

That’s it!


Forecast your future: NPS CalculatorComing soon

With this tool, you’ll see how much money you can expect to have at retirement with NPS and the amount you can immediately withdraw when you retire at 60.

  • Monthly
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Monthly Pension


Wealth Gained


(On Retirement)




National Pension System (NPS) is pension cum investment scheme initiated by Government of India to provide old age security to citizens of India. It is a pure retirement pension plan, in which you can get a stable income with tax benefits after your retirement and it offers you the option to choose from different pension plans based on your risk profile.
Officially launched for government employees in 2004, NPS was rolled out for all citizens of India on May 01, 2009. In simple words, NPS is a defined, voluntary contribution scheme initiated by the Indian government that is market-linked and managed by professional fund managers.
Contributions made by individuals to a National Pensions Scheme accumulates until retirement and the corpus growth continues via market-linked returns. It is regulated and administered by the Pension Fund Regulatory and Development Authority (PFRDA). Contributions made towards NPS are also eligible for tax benefits.
Individuals can register and obtain a subscription for the National Pension System through the online platform eNPS. Registration for the scheme can be done in the following steps.
Step 1 – Go to the eNPS portal available at the official website of the National Pension System.
Step 2 – Choose your subscriber type from the available options ‘Individual Subscriber’ and ‘Corporate Subscriber’.
Step 3 – Choose your suitable residential status - Citizen of India or NRI.
Step 4 – Opt for either Tier I account type or both accounts as a choice of the former is mandatory for long-term savings.
Step 5 – Enter your PAN details and select Arihant Capital as your PoP. It is ideal to choose a PoP with whom you have an existing relationship as it makes NPS subscription and management easier.
Step 6 – Upload the scanned copy of your PAN card along with a cancelled cheque. The image format should be in .jpg, .jpeg or .png format with a file size of 4KB to 2MB.
Step 7 – Upload your scanned photograph and signature in the same format and size as above.
Step 8 – Once routed to the payment gateway, proceed to pay the required charges via online banking.
Step 9 – With the completion of payment, your Permanent Retirement Account Number (PRAN) will be generated.
Once the PRAN is allotted, an applicant needs to proceed with either of the following steps for authentication. E-Sign option for authentication
  • On the E-sign/Print & Courier page, choose the E-sign option.
  • Authenticate with OTP sent to the mobile number registered with your Aadhaar card.
  • After Aadhaar authentication, the registration form is signed successfully, and you do not need to send its physical copy.
A pool of money is collected in different NPS schemes, which is managed by professional pension fund managers who are experts in investing and managing money. This ensures that you don’t have to worry about investing.
NPS is a long-term investment instrument to save for your retirement. It is a market-linked product, which means a portion of money invested in NPS goes towards equities. The returns in NPS schemes are, therefore, volatile, and not guaranteed. However, historically NPS has delivered higher returns compared to other government-initiated tax-saving investments like PPF, in the long-run.
Individuals can claim tax benefit under Sec 80 CCD (1) with in the overall ceiling of 1.5 lac under Sec 80 CCE. In addition to this, an additional deduction for investment up to 50,000 in NPS (Tier I account) is available exclusively to NPS subscribers under subsection 80CCD (1B). This is over and above the deduction of 1.5 lakh available under section 80C of Income Tax Act. 1961. However, there is no tax benefit on investment towards Tier II NPS Account.
Moreover, after the NPS subscriber attains the age of 60, up to 40 percent of the total corpus withdrawn by them in lump sum is exempt from tax.
However, in case of annuity purchase, while the amount invested in annuity is fully exempt from tax, the annuity income received in the subsequent years will be subject to income tax.
If you have invested in Tier-I plan, premature withdrawal is not allowed from the scheme, however for some specific purposes to the extent of 25% of employee contribution, in total three tranches. Partial withdrawals from the NPS are tax-free.
However, if you close your NPS before retirement, you can withdraw upto 20% of the corpus and remaining 80% will have to be utilized for purchase of annuity.
Investor in Tier II plan can withdraw money anytime, but it will be taxable at the slab rate.
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