A simple guide to India's National Pension System how it works, who can join, the tax benefits, and what to keep in mind before you invest. What is NPS? The National Pension System (NPS) is a retirement savings scheme backed by the Government of India and regulated by the Pension Fund Regulatory and Development Authority (PFRDA). It was originally created for government employees, but today almost anyone can join salaried employees, self-employed individuals, minors (through

As living costs soar, many middle-aged private-sector employees in India are falling behind in retirement planning. This post explores why nearly half of them contribute little to their retirement funds, the limitations of traditional pension schemes, and how mutual funds, especially SIPs, can offer a more secure financial future. Are you doing enough to retire comfortably?