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Contribution

1. How many times should a Subscriber invest in a year?

There are no lower or upper limits to the number of contributions per year. The Subscriber is free to manage the frequency and amounts of contributions.

2. How much should a Subscriber invest in NPS-Swavalamban? Is there a minimum contribution limit per year?

At the point of registration, a Subscriber will have to invest a sum of Rs.100. Though there is no minimum contribution requirement per year, it is recommended that a contribution of at least Rs.1000 per year is made to ensure reasonable pension after retirement.

3. How does a Subscriber continue with contributions once registered into NPS-Swavalamban?

A Subscriber is required to contribute at the time of registration and subsequently through an Aggregator. You are required to make the contributions subject to following conditions:

  1. Minimum contribution amount at the time of Registration - Rs 100
  2. Though there is no minimum contribution requirement per year, minimum contribution of Rs.1000/-per year is recommended to avail Swavalamban benefit. However it may be remembered that higher contribution amount will yield higher pension and since Swavalamban benefit is available for contribution upto Rs 12000/- it may be desirable to save higher amounts in your NPS-Swavalamban account.

4. Where will the Subscriber's savings be invested?

The contributions under NPS-Swavalamban are invested in a single scheme consisting of Equity, Corporate Bonds and Government Securities in terms of guidelines prescribed by GOI, Ministry of Finance.

5. What rate of return will my contributions earn?

There is no investment return guarantee. Returns in NPS -Swavalamban are market based. The benefits will entirely depend upon the amounts contributed and the investment growth upto the point of exit from NPS.