Скачать или смотреть 4 Big Changes in NPS Announced

🚨 NPS New Changes Alert 🚨

1. Now You can Stay invested in NPS till 85 years (up from 75).

2. ⁠Only minimum 20% of total corpus needs to be purchased for annuity (Earlier it was minimum 40%). Rest of the 80% corpus can be withdrawn (only for non-govt subscribers)

3. ⁠100% lump sum withdrawal if corpus ≤ ₹8 lakh

4. ⁠New Systematic Unit Redemption (SUR) – like SWP in MFs, min 6 years. This new withdrawal option has been given to NPS subscribers who have total Accumulated Pension Wealth (APW) above Rs 8 lakh but up to Rs 12 lakh.

5. ⁠Up to 4 partial withdrawals allowed now before 60/superannuation with 4-year gap (it was earlier 3 partial withdrawals only)

6. ⁠Post-60 years: Partial withdrawals allowed every 3 years (max 25% of own contributions)

7. Earlier: Exit allowed only at age 60.
Now: Normal exit allowed after completing 15 years OR reaching 60—whichever is earlier.

Examples:

Join at 30 → normal exit allowed at 45
Join at 50 → normal exit allowed at 60
( Only for all citizen model i.e. individual NPS accounts)

8. The 5-year lock-in for premature exit is completely removed (Only for all citizen model i.e. individual NPS accounts). You can now make a premature exit without first completing 5 years.

What happens if you exit prematurely?

The earlier requirement remains the same:

Up to 20% lump-sum,
At least 80% annuity.
This has not changed. Full lump sum allowed if corpus less than 5 lakhs.

9. ⁠Stronger account-centric approach for multiple accounts

10. ⁠Under new NPS rule (Multiple Scheme Framework), private sector employees, corporate employees and self-employed individuals (not govt subscribers) will have a choice to invest up to 100% in equity, far beyond the existing 75% cap.