NPS Is for Everyone, Not Just Government Employees
Absolutely. Priya needs it more than someone in a corporate job with EPF (Employee Provident Fund) benefits. Freelancers have to take ownership of their financial future, and NPS gives them a structured way to do that, starting at just ₹ 1,000 a year.
That's where NPS offers real flexibility. You can invest any amount at any time. If you miss a year, you can reactivate your account later by contributing for the missed years. It's forgiving, yet encourages discipline.
Yes. NRIs can open and contribute to NPS accounts. It's a great way for them to stay invested in Indian markets and build a pension corpus in INR (Indian Rupees), especially if there's a chance of returning to India later in life.
Don't close your NPS account. Even if you move overseas, just keep your account active with the minimum contribution. You never know when life might bring you back to India.
Can they continue investing? Certainly. I encourage them to continue contributing whatever they can during that period. Much like exercise, once you break the habit, it's harder to return. Even a small contribution keeps the account active—and the compounding engine running.
Yes. Think of NPS as your balanced thaali. Equity investments are great, but with NPS, you get the benefit of long-term pension structuring, tax breaks, and professional fund management. It's not either/or—it's part of a healthy diversified portfolio.
Takeaway: You don't need a corporate ID or a government badge to plan for retirement. As Ghosh says, 'NPS is inclusive. Freelancers, NRIs, women on sabbatical—everyone deserves retirement with dignity.'
Discover why NPS might be the most inclusive retirement tool India has.
Note to the Reader: This article has been produced on behalf of the brand by HT Brand Studio and does not have journalistic/editorial involvement of Hindustan Times or LiveMint. The content may be for information and awareness purposes and does not constitute any financial advice.
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