National Pension System
NPS: Retirement Can Be a Luxury Too
NPS is a market-linked pension scheme regulated by PFRDA and supported by the Government of India. It allows you to invest regularly during your working years and receive a lump sum + monthly pension after retirement.
Farsight Securities Ltd. is registered as a Point of Presence (PoP) for the National Pension System (NPS) under the Pension Fund Regulatory and Development Authority (PFRDA).
Key Features
Key Features of NPS
Low Cost, High Efficiency
Enjoy one of the lowest investment and management costs in the market.
Flexible Investment Choices
Investors can choose from multiple asset classes and pension funds.
Online Access - 24 x 7 x 365
Track and manage your NPS account anytime, anywhere.
Fully Regulated & Secure
Managed by professional fund managers and regulated by PFRDA.
Tax Efficiency
Investors can save tax on their NPS contributions under the Income Tax Act.
Portable
Your NPS account (PRAN) stays the same and can be accessed anywhere in India.
Why Choose
FARSIGHT?
Partner with us to unlock structured growth, regulatory credibility, and long-term income opportunities in the retirement advisory space.
Expert Advice, Personalized for You
No generic plans here—our advisors craft your NPS portfolio based on your age, risk appetite, and retirement goals.
Hassle-Free, Transparent Experience
Easily track your investments, withdrawals, and returns with clear dashboards. No hidden costs, no confusion.
Secure Your Future with Flexibility
Enjoy structured exit options, partial withdrawals, and annuities. Plus, your NPS account moves seamlessly with you across jobs and cities.
A Roadmap for Your Retirement
We don't just open accounts—we design a strategy for growth, risk management, and consistent post-retirement income.
End-to-End Support
From account setup to ongoing queries, our team is always there to guide you.
Your NPS Journey
Smart Steps to Retirement Security
From enrollment to pension — a streamlined process that works for you.
1
Register & Get PRAN
Apply and receive your PRAN.
2
Choose Fund Manager
Choose your preferred Pension Fund Manager.
3
Invest Monthly
Contribute via SIP or manually (Tier I / II).
4
Accumulate Wealth
Investments grow in equity, bonds & government securities.
5
Retire 60–85
Withdraw up to 80% tax-free anytime between 60–85.
6
Receive Pension
Invest 20% in annuity for lifelong monthly income.
Eligibility & Accounts
Who Can Invest in NPS?
Eligibility Criteria
Age: 0 – 18 Years
Parents/guardians can open NPS for minors. Converts to regular NPS at 18.
Age: 18 – 70 Years
Indian residents, NRIs, and OCI card holders are eligible.
🇮🇳
Indian Residents
Eligible
🌏
NRIs & OCI
Eligible
📄
KYC Mandatory
Eligible
🚫
HUFs / PIOs
Not Eligible
Account Types
| Particulars |
TIER I
Retirement Account
|
TIER II
Optional Account
|
|---|---|---|
| Status | Permanent (Mandatory) | Voluntary |
| Eligibility | Anyone aged between 18 to 70 years | NPS Tier I account holders |
| Lock-in Period | Up to age 60 or after 15 years, whichever is earlier | NA |
| Min. Contribution (at opening) | INR 500 | INR 250 |
| Min. Annual Contribution | INR 1,000 | NA |
| Withdrawals | 80% of the corpus can be withdrawn as a lump sum. The remaining 20% has to be used to purchase an annuity plan. | The entire corpus can be withdrawn as a lump sum or through multiple redemptions without any limit. |
| Tax on Withdrawals | On maturity, the entire corpus is tax-exempt. | The amount is added to the subscriber's taxable income and taxed as per applicable tax rates. |
Investment Options
How Your Money is Invested
NPS offers flexibility — you control your allocation or let the system auto-manage it.
Active Choice
You control asset allocation across 4 asset classes.
- Equity (E)
- Corp Bonds (C)
- Govt Sec (G)
- Alt Assets (A)
Max 75% in Equity (up to age 50)
Auto Choice
Lifecycle-based auto allocation. Equity reduces as you age.
Aggressive / Moderate / Conservative lifecycles
Choose Your PFM
Select from 10 PFRDA-registered Pension Fund Managers.
1
SBI Pension Funds
2
LIC Pension Fund
3
UTI Retirement Solutions
4
HDFC Pension Mgmt
5
ICICI Pru Pension Fund
6
Kotak Mahindra Pension
7
Aditya Birla Pension
8
Tata Pension Mgmt
9
Max Life Pension Fund
10
Axis Pension Fund
Exit & Withdrawal
NPS Withdrawal / Exit Rules
Small Corpus
≤ ₹8 Lakh
Lump Sum100%
Annuity0%
100% lump sum withdrawal allowed.
Mid Corpus
₹8L – ₹12L
Lump Sum80%
Annuity20%
80% lump sum + 20%
annuity.
Normal Exit
≥ ₹12L / Age 60+
Lump Sum80%
Annuity20%
80% lump sum + 20% mandatory annuity.
Premature Exit
Before Age 60
Lump Sum20%
Annuity80%
20% lump sum + 80% mandatory annuity.
Deferred Exit
Age 60 – 85
Lump Sum60%
Annuity40%
Can defer exit up to age 85. Normal 60/40 split.
Get Started Today
Start Your NPS Journey with Farsight
Our NPS specialists will help you choose the right fund manager, set up your PRAN, and build a customized retirement strategy.
Call Us
+91 9266301200
Email Us
customercare@farsightshares.com
Farsight Securities Limited
Charge structure of Points of Presence (PoP) for Common Schemes under NPS (All Citizen and Corporate Model) Applicable from 01.01.2026
| S.No | Particulars | Charges for NPS Common Schemes |
|---|---|---|
| 1 | First Year of subscribers onboarding |
Rs. 200/-
Per New Account (on monthly basis, to be collected in the month subsequent to the month of on-boarding) |
| 2 | Second Year onwards |
0.2% p.a. of the AUM
(subject to minimum of Rs.30/-)
{pro-rata on quarterly basis, in accounts Other than Dormant accounts. This shall be applicable to all existing accounts as well.}
|
| 3 | Non-Financial Transactions (Shifting) | Rs. 30/- |
| 4 | Exit / Withdrawal Fee | Rs. 500/- |
| 5 | Payment gateway charges | Rs 0/- |
- 6. GST or other taxes as applicable, shall be additional in point No 1, 2, 3 and 4.
- 7. Accordingly, charges shall be levied at 0.05% of AUM on the last day of quarter for Common Schemes of NPS (All Citizen and Corporate Model), including NPS Vatsalya.
- 8. PoPs having their own employees as NPS subscriber may exercise their choice to recover or not to recover PoP charges as per their internal approved policy.
- 9. Dormant Account will not be charged. Defined as an account where subsequent to a contribution in a quarter, there is no contribution for four consecutive quarters.
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