The National Pension System (NPS) It is a mandate for Central government employees, and the employees of some state governments to invest in the NPS. As per a GOI’s newest direction, the private-sector staff is now provided with a choice between the Employees’ Provident Fund Organisation (EPFO) and the NPS.

Fundamental NPS Characteristics

1. CAPITAL PROTECTION & INFLATION PROTECTION: The capital is not entirely protected as the National Pension Scheme invests a specific amount in the equities. The returns are, consequently, market-linked.
2. LIQUIDITY: Post three years of being in the scheme, you can withdraw up to 25 per cent of the total contributions for defined expense obligations. These defined expenses can be your child’s higher education or wedding, building or purchase of the first house, and acute illness treatment for self, spouse, children or dependent parents etc.
3. TAX IMPLICATIONS: You can avail tax deduction on investments up to INR 150000 (under Section 80CCD) and INR 50,000 [under Section 80CCD(1B)] in a financial year. Besides, 60% of the amount received after term completion is tax-free.

1st Option: TIER- I:

On gaining retirement at the age of 60 years, you have to mandatorily use 40% of the corpus to buy an annuity. The remainder 60% can be taken off and is now entirely tax-free. 

2nd Option: TIER- II:

It’s a voluntary account, and you are free to withdraw your savings as and when required, sans any condition. There are no restrictions on deposits and withdrawals. Withdrawals are taxable as per your slab.

For any assistance call or Whats App on +91- 9036018660 on-call helpline number

PFRDA Registration No: POPSE19122018

Click below to OPEN an NPS Account and Register a New PRAN Online:

54EC bonds, or capital gains bonds, are one of the best ways to save long-term capital gain tax. 54EC bonds are specifically meant for investors earning long-term capital gains and would like tax exemption on these gains

Individuals, as well as members of HUF, can make investments in 54EC bonds. You should invest in 54EC bonds within 6 months of transferring the capital assets.

The eligible bonds under Section 54EC

1. NHAI (National Highways Authority of India)
2. REC (Rural Electrification Corporation Ltd)
3. PFC (Power Finance Corporation Ltd)
4. IRFC (Indian Railways Finance Corporation Limited)

54EC bonds also offer other features.

• Safe and Secure: 54EC bonds are AAA rated.
• Interest: Interest on 54EC bonds is taxable. No TDS is deducted on interest from 54EC bonds and wealth tax is exempted.
• Tenure: 54EC bonds come with a lock-in period of 5 years (effective from April 2018) and are non-transferable.
• Investment amount: Minimum investment in 54EC bonds is 1 bond amounting to Rs. 10,000 and the maximum investment in 54EC bonds is 500 bonds amounting to Rs 50 lakhs in a financial year.
• Interest Rate: 54EC bonds offer a 5% rate of interest payable annually.

We are committed to providing you with the required assistance in applying and registering for all your capital gains investment requirements.