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    NPS Tier 1 Account: How to Apply, Eligibility & Benefits

    nps tier 1
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    NPS or National Pension Scheme is a Government initiative focussing on employees working in public and private sectors. The Government invests your savings in market-linked funds to facilitate inflation-adjusted pension for a secured post-retirement life. Eligible beneficiaries can invest in two schemes – NPS Tier 1 and NPS Tier 2. Regardless of the scheme type you invest in, you need to open an account first.

    Keep reading to learn more about this scheme’s features, benefits and ways to invest.

    9 Key Features of NPS Tier 1

    Take a look at the following features of the NPS Tier 1 scheme:

    • Investments in NPS Tier 1 are eligible for tax exemptions.

    • Investors can even invest ₹1000 a year in these accounts.

    • NPS Tier 1 accounts are the most rudimentary form of NPS accounts.

    • Investors may get an additional tax deduction of ₹50,000 under Section 80CCD(1B).

    • Any working professional of government and private sectors can subscribe under NPS.

    • It is possible for employees to claim up to 20% of tax deductions of their salary that is contributed to NPS.

    • NPS accounts mature with the subscriber’s retirement or attaining 60 years of age.

    • After maturity, subscribers can withdraw 60% of the total amount, while the remaining 40% can be used on an annuity plan.

    • One can withdraw the amount prematurely but under certain terms.

    How to Open Your NPS Tier 1 Account?

    Opening your NPS Tier 1 account is easy. Just follow these simple steps:

    Online Procedure

    • Visit the official website of e-NPS.
    • Go to the registration section.
    • Enter the relevant information. An OTP will be sent to your registered mobile number. Enter it and log in.
    • Select Tier 1 account.
    • Choose a fund manager.
    • Select your mode of investment from ‘Auto’ and ‘Active’ modes.
    • Provide the details of the nominee and mention their share.
    • Upload the relevant documents including the registration form and other KYC documents such as Aadhaar card and PAN card.
    • Complete your registration by making a minimum contribution of ₹500.
    • Your PRAN will be generated once you complete the registration.

    Offline Procedure

    • Visit your nearest bank or Point of Presence-Service Providers (POP-SP).
    • Collect the application form.
    • Fill in the form and submit it along with the supporting registration form and other KYC documents.
    • Complete your registration by making a minimum payment.

    Who is Eligible to Open an NPS Tier 1 Account?

    Meet these 3 NPS Tier 1 eligibility parameters to open your account:

    • Any Indian citizen can open an NPS Tier 1 account. If you become a non-resident of India (NRI), the Government will deactivate it.
    • The age limit of an applicant must be between 18 and 60 years.
    • As an applicant, you must be KYC compliant.

    How Does the NPS Tier 1 Investment Work?

    You have two investment choices in NPS Tier 1:

    • Active choice
    • Auto choice

    The former lets individuals control asset allocation with the help of a fund manager. Conversely, the latter is a passive investment mode that builds your portfolio according to your risk appetite.

    Investment Unit Options You Get in NPS Tier 1

    • Asset Class C invests in fixed instruments except for Government securities.
    • Asset Class A invests in alternative investment funds, including REITS and CMBS, among others.
    • Asset Class G invests in Government securities.
    • Asset Class E invests approximately 50% in equity instruments.

    Individuals can also select from the following 8 asset management companies (AMCs) for portfolio management:

    • ICICI Prudential
    • LIC
    • Kotak Mahindra
    • HDFC
    • SBI
    • Reliance
    • UTI 
    • DSP Black Rock 

    You are free to switch between investment strategies and available fund managers once a year. Based on the performance of the assets, you will get a particular investment return.

    Investment in NPS Tier 1

    As an investor, you need to make the following payments in NPS Tier 1:

    • Contribution to Open Your NPS Tier 1 Account: ₹500
    • Minimum Contribution in NPS Tier 1 Account: ₹500 per month
    • Minimum Contribution Per Year: ₹1,000
    • Minimum Number of Contributions You Need to Make: 1 per year

    Expected Returns on NPS Tier 1 Account

    NPS returns are the interest that you earn on your contribution. The return rates of the NPS depend on the performance of your underlying assets. Hence, there are no fixed rates for possible returns. Therefore, experts suggest investing earlier to get higher returns over the years.

    Here are the lists of returns, as of January 2021, classified under different asset classes. Take a look –

    Rate of NPS Tier 1 Returns on Equity

    Year

    Return Rates

    1-Year

    15.33%-18.81%

    5-year

    13.11%-15.72%

    10-Year

    10.45%-10.86%

    Rate of NPS Tier 1 Returns on Government Bonds

    Year

    Return Rates

    1-Year

    12.95%-14.26%

    5-year

    10.29%-10.88%

    10-Year

    9.57%-10.05%

    Rate of NPS Tier 1 Returns on Corporate Bonds

    Year

    Return Rates

    1-Year

    12.46%-14.47%

    5-year

    9.27%-10.15%

    10-Year

    10.05%-10.64%.

    Rate of NPS Tier 1 Returns on Alternative Assets

    Year

    Return Rates

    1-Year

    3.98%-16.73%

    5-year

    N/A

    10-Year

    N/A

    Top 3 Benefits of NPS Tier 1 Account

    NPS Tax Benefits

    • As per Section 80CCD(1) of the Income Tax Act, you enjoy a tax deduction of up to ₹1.5 lakhs. You can claim a minimum tax exemption worth 10% of your total salary or income.
    • You can get additional tax benefits up to ₹50,000 as per Section 80CCD(1B). Thus, the total benefits add up to ₹2 lakhs.
    • The returns on your accumulated corpus in the NPS account are free from taxation. However, the annuity you receive in hand is taxable as per your income tax slab.
    • You can enjoy a tax deduction of 10% of your basic salary plus dearness allowance if your employer contributes to the NPS scheme.
    • The 60% of the fund you receive in hand after the lock-in period is exempted from taxes.
    • Your partial withdrawals are eligible for tax exemption.

    Simple Operation

    As a subscriber, you only need to enrol yourself through the e-NPS website.

    Guaranteed Pension

    PFRDA regulates and monitors the National Pension Scheme. Hence, beneficiaries can be assured of getting the minimum pension as promised.

    What Are the Pros and Cons of NPS Tier 1?

    4 Pros:

    • Flexibility: Beneficiaries can change the frequency of your contribution.
    • Simple enrolment procedure: Individuals can avail the application procedure both online and offline. Thus, people without internet access can easily open their accounts to avail pension benefits as well.
    • Nominal applicable charges: This, in addition to a minimum contribution per year, makes NPS Tier 1 a cost-effective means to secure your post-retirement phase.
    • Flexible operation: As a subscriber, you can access your account from anywhere in the county.

    4 Cons:

    • Complicated transferring process: It does not offer a flexible transfer of funds to your Tier 2 account.
    • Multiple withdrawals not allowed: Unlike Tier 2, as a beneficiary, you are not eligible to enjoy multiple withdrawals. The withdrawal limit is only 3 times in the entire investment period. Also, you can only withdraw based on valid reasons. It includes marriage, higher education and purchasing a new house.
    • Limitation of asset classes: The equity allocation in your portfolio must not exceed 75%. At the same time, the alternative asset is limited to 5%.
    • Limitation of equity asset allocation: After attaining the age of 50, the equity fund must not exceed 50% in your portfolio.

    Should You Invest in NPS Tier 1?

    It entirely depends on your investment objective. If you want to enjoy a tax-efficient and cost-effective practice of accumulating savings for your post-retirement days, you can opt for it. As far as the return is concerned, NPS Tier 1’s scheme C has historically shown better performance compared to corporate debt funds. However, keep in mind the limitations of the same before making an informed decision.

    Frequently Asked Questions

    Can you withdraw funds from your NPS Tier 1 account after 1 year?

    No, you can withdraw funds only after the completion of 3 years from the date of investment.

    No, you can withdraw funds only after the completion of 3 years from the date of investment.

    Which document do you need to avail tax benefits?

    You need to submit a copy of your Transaction Statement as document proof to claim tax benefits.

    You need to submit a copy of your Transaction Statement as document proof to claim tax benefits.

    Can you select a minor as a nominee?

    Yes. In this case, you need to provide the details of a guardian and the minor’s date of birth.

    Yes. In this case, you need to provide the details of a guardian and the minor’s date of birth.

    What is the maximum contribution allowed in an NPS Tier 1 account by an employer?

    The maximum contribution an employer can make in an employee’s NPS Tier 1 account is up to 10% and 14% for a Central Government employee.

    The maximum contribution an employer can make in an employee’s NPS Tier 1 account is up to 10% and 14% for a Central Government employee.

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    Important Articles related to NPS

    What is NPS

    NPS Income Tax Benefits

    NPS Withdrawal Rules

    How to Check NPS Account Balance

    Difference between NPS and PPF

    How to Check Status of NPS Account

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    Difference between Tier 1 & Tier 2 in NPS

    How to Close NPS Account

    How to Unfreeze NPS Account

    How to Update Details in NPS Account

    Difference between NPS and APY

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    NPS Calculator

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    How to Open NPS Account?

    What is the Return on NPS?

    NPS Registration & Login Process Explained

    Show more

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    Disclaimer: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

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    1. Digit Insurance
    2. Finance
    3. What is NPS Scheme
    4. NPS Tier 1 Account

    Last updated: 2023-01-30

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