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Build a Secure Retirement with the National Pension System (NPS)
Build a Secure Retirement with the National Pension System (NPS)
A disciplined, tax-efficient retirement solution backed by the Government of India
Your Trusted Partner for NPS & Retirement Planning
Your Trusted Partner for NPS & Retirement Planning
Bhaarat Wealth helps you plan a financially independent retirement through structured NPS investing, aligned with your age, income, and long-term retirement goals.
Why Retirement Planning Often Gets Ignored
Why Retirement Planning Often Gets Ignored
Retirement planning requires discipline, time, and the right strategy—NPS provides all three
Retirement planning requires discipline, time, and the right strategy—NPS provides all three
A Structured, Long-Term Retirement Solution
A Structured, Long-Term Retirement Solution
The National Pension System (NPS) is a government-regulated retirement scheme designed to help you accumulate a pension corpus over time while enjoying significant tax benefits.
The National Pension System (NPS) is a government-regulated retirement scheme designed to help you accumulate a pension corpus over time while enjoying significant tax benefits.
Our NPS Solutions
Our NPS Solutions
NPS Tier I Account (Retirement Account)
NPS Tier I Account (Retirement Account)
NPS Tier II Account (Voluntary Savings)
NPS Tier II Account (Voluntary Savings)
Employee & Self-Employed NPS Accounts
Employee & Self-Employed NPS Accounts
NPS Account Opening & Management
NPS Account Opening & Management
Why Choose NPS with Bhaarat Wealth
Why Choose NPS with Bhaarat Wealth
Long-term retirement wealth creation
Long-term retirement wealth creation
Attractive tax benefits under Sections 80C & 80CCD(1B)
Attractive tax benefits under Sections 80C & 80CCD(1B)
Low-cost, regulated investment structure
Low-cost, regulated investment structure
Choice of asset allocation (Equity, Corporate Debt, Govt. Securities)
Choice of asset allocation (Equity, Corporate Debt, Govt. Securities)
Professional guidance and ongoing support
Professional guidance and ongoing support
Our Simple NPS Investment Process
Our Simple NPS Investment Process
Understand your retirement goals & income
Understand your retirement goals & income
Choose the right NPS asset allocation
Choose the right NPS asset allocation
Open your NPS account seamlessly
Open your NPS account seamlessly
Ongoing contribution tracking & guidance
Ongoing contribution tracking & guidance
Maximize Tax Savings with NPS
Maximize Tax Savings with NPS
NPS offers exclusive tax benefits of up to ₹50,000 additional deduction under Section 80CCD(1B) over and above 80C—making it one of the most tax-efficient retirement instruments.
Who Should Invest in NPS
Who Should Invest in NPS
Salaried professionals
Self-employed individuals
Business owners
Tax-saving investors
Long-term retirement planners
Investors seeking stable, regulated pension solutions
Important NPS Investment Considerations
Important NPS Investment Considerations
NPS is a long-term retirement product with withdrawal restrictions until the age of 60. Partial withdrawals and exit rules apply as per PFRDA guidelines. Our role is to help you understand these clearly before investing.
Reviews
Reviews
Bhaarat Wealth helped me understand NPS clearly and structure it as part of my retirement plan. The tax savings and discipline have been extremely helpful.
— Sasidhar, IT Professional
— Sasidhar, IT Professional
I was unaware of the extra ₹50,000 tax benefit under NPS. Their guidance helped me optimize taxes while planning for retirement.
— Padma, First-Time Investor
— Padma, First-Time Investor
As a self-employed individual, NPS gave me a structured retirement plan. Bhaarat Wealth handled everything smoothly.
— Sai, IT Professional
— Sai, IT Professional
What I appreciate is their honest explanation of lock-in and exit rules. There were no surprises—only clarity and confidence.
— Jyothi, Senior Manager
— Jyothi, Senior Manager
I was confused between NPS and other retirement options. Bhaarat Wealth helped me make an informed decision based on my goals.
— Usha, House Wife
— Usha, House Wife
With Bhaarat Wealth’s guidance, my NPS contributions are consistent and aligned with my retirement timeline. It feels reassuring.
— Pavan, Private Sector Employee
— Pavan, Private Sector Employee
FAQ
FAQ
What is NPS and how does it work?
What is NPS and how does it work?
The National Pension System (NPS) is a government-regulated retirement savings scheme designed to help individuals build a retirement corpus through regular contributions. Investments are allocated across equity, corporate debt, and government securities based on your chosen asset mix.
Who should invest in NPS?
Who should invest in NPS?
NPS is ideal for salaried individuals, self-employed professionals, and anyone looking for a disciplined, long-term retirement solution with tax benefits and regulated structure.
What are the tax benefits available under NPS?
What are the tax benefits available under NPS?
NPS offers tax deductions under:
Section 80C (within the ₹1.5 lakh limit)
Section 80CCD(1B) – additional deduction of up to ₹50,000
This makes NPS one of the most tax-efficient retirement products in India.
Can I choose how my NPS money is invested?
Can I choose how my NPS money is invested?
Yes. You can select between Active Choice (you decide the asset allocation) or Auto Choice (allocation adjusts automatically based on age). Bhaarat Wealth helps you choose the right option based on your risk profile.
Is there a lock-in period for NPS?
Is there a lock-in period for NPS?
Yes. NPS is a long-term retirement product with a lock-in until the age of 60. Partial withdrawals are allowed under specific conditions as per PFRDA rules.
What happens to my NPS corpus at retirement?
What happens to my NPS corpus at retirement?
At retirement, up to 60% of the corpus can be withdrawn as a lump sum, while at least 40% must be used to purchase an annuity, which provides a regular pension.
Are NPS returns guaranteed?
Are NPS returns guaranteed?
No. NPS returns are market-linked and not guaranteed. However, the scheme is regulated by PFRDA and invests across diversified asset classes to manage long-term risk.
Do you charge any fees for NPS consultation or account management?
Do you charge any fees for NPS consultation or account management?
No. Bhaarat Wealth offers free NPS consultation and onboarding support. We receive standard commissions from authorized entities as permitted by regulations, with no additional cost to the investor.
Can I track my NPS account and contributions?
Can I track my NPS account and contributions?
Yes. You can track your NPS account online through official NPS portals, and we also provide guidance and support for contributions, changes, and reviews.
Do you charge any fees for advisory or consultation?
Do you charge any fees for advisory or consultation?
Bhaarat Wealth does not charge clients any separate advisory or consultation fees for mutual fund or any other investments. Our initial and ongoing consultations are completely free. We are only a distributor.
How does Bhaarat Wealth earn revenue if clients are not charged?
How does Bhaarat Wealth earn revenue if clients are not charged?
We receive standard commissions from mutual fund Asset Management Companies (AMCs), as permitted and regulated by applicable SEBI guidelines. These commissions are paid by the AMCs and do not result in any additional cost to the investor.
Plan Today for a Stress-Free Retirement Tomorrow
Plan Today for a Stress-Free Retirement Tomorrow
Secure your retirement with discipline, tax efficiency, and expert guidance.
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Disclaimer
Disclaimer
NPS investments are subject to market risks. Returns are not guaranteed. Investment and withdrawal are governed by PFRDA guidelines. Investors are advised to read all scheme-related documents carefully.
NPS investments are subject to market risks. Returns are not guaranteed. Investment and withdrawal are governed by PFRDA guidelines. Investors are advised to read all scheme-related documents carefully.
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