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Fincash »सरकारी योजना »राष्ट्रीय पेन्शन योजना

NPS (राष्ट्रीय पेन्शन योजना) म्हणजे काय?

Updated on November 1, 2024 , 170071 views

NPS, ज्याला राष्ट्रीय पेन्शन योजना म्हणूनही ओळखले जाते, पेन्शन फंड नियामक आणि विकास प्राधिकरण (PFRDA) द्वारे नियंत्रित केले जाते. नॅशनल पेन्शन स्कीम ही एक स्वैच्छिक योगदान योजना आहे ज्याचा उद्देश केंद्र सरकारने तयार केला आहे.सेवानिवृत्ती उत्पन्न भारतातील नागरिकांना.

NPS योजनेचे लक्ष्य पेन्शन सुधारणा प्रस्थापित करणे आणि लोकांमध्ये सेवानिवृत्तीसाठी बचत करण्याची सवय लावणे हे आहे. नॅशनल पेन्शन स्कीम किंवा NPS अंतर्गत, तुम्ही वैयक्तिक सेवानिवृत्ती खाते उघडू शकता ज्यामध्ये पेन्शन कॉर्पस कार्यरत जीवनादरम्यान जतन केला जाऊ शकतो. NPS योजना सर्वांसाठी खुली आहे परंतु सर्व सरकारी कर्मचाऱ्यांसाठी अनिवार्य आहे.

National-Pension-Scheme

राष्ट्रीय पेन्शन योजना तपशील

  • NPS योजना लोकांच्या निवृत्तीनंतरच्या गरजा पूर्ण करण्यासाठी खास तयार करण्यात आली आहे. पेन्शन योजना वृद्धापकाळात आर्थिक स्थिरता आणि सुरक्षितता सुनिश्चित करतात जेव्हा लोकांचे सहसा नियमित उत्पन्न नसते.

  • नॅशनल पेन्शन स्कीम किंवा NPS ही अशी योजना आहे जी आम्हाला पैसे गुंतवण्याची संधी देते आणि योगदान वर्षानुवर्षे वाढू देते, ज्यामुळे चांगला NPS परतावा मिळतो. निवृत्तीनंतर, तुम्ही तुमच्या कुटुंबाच्या गरजा आणि खर्च व्यवस्थापित करण्यासाठी या बचतीचा वापर करू शकता.

  • तुम्ही जमा झालेल्या पेन्शन संपत्तीचा वापर आयुष्य खरेदी करण्यासाठी देखील करू शकतावार्षिकी कोणत्याही जीवनातील उत्पादनविमा कंपन्या भारतात. किंवा तुम्ही तुमचा काही भाग काढून घेऊ शकताकमाई तुमच्या वयानुसार, एकरकमी.

दोन प्रकारची पेन्शन खाती ऑफर केली जातात. यात समाविष्ट-

NPS टियर I - हे पेन्शन खाते आहे ज्यात पैसे काढण्यावर बंधने आहेत.

NPS टियर II - हे एकबचत खाते जे आर्थिक आकस्मिक परिस्थिती पूर्ण करण्यासाठी काढता येण्याजोगे आहे. एनपीएस टियर II खाते उघडण्यासाठी सक्रिय टियर I खाते अनिवार्य आहे.

NPS योजनेत गुंतवणूक कशी करावी?

पॉइंट्स ऑफ प्रेझेन्स (पीओपी) द्वारे राष्ट्रीय पेन्शन योजनेत गुंतवणूक करता येते. गुंतवणूक 3 प्रकारच्या पोर्टफोलिओमध्ये वाटप केली जाऊ शकते:

  • मालमत्ता वर्ग ई - प्रामुख्याने इक्विटीमध्ये गुंतवणूकबाजार साधने
  • मालमत्ता वर्ग क - सरकारी रोख्यांव्यतिरिक्त कर्ज रोख्यांमध्ये गुंतवणूक
  • मालमत्ता वर्ग जी - सरकारी रोख्यांमध्ये गुंतवणूक

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राष्ट्रीय पेन्शन योजनेचे फायदे

राष्ट्रीय पेन्शन योजना कर लाभ

INR 50 पर्यंतची गुंतवणूक,000 कलम 80 CCD (1B) अंतर्गत कपातीसाठी जबाबदार आहेत. INR 1,50,000 पर्यंतची अतिरिक्त गुंतवणूक कर आहेवजावट अंतर्गतकलम 80C याआयकर कायदा. त्यामुळे, उच्च कर बचत पर्याय शोधत असलेले गुंतवणूकदार एनपीएसमध्ये गुंतवणूक करू शकतात.

NPS योजनेतील निधीचे वैविध्यीकरण

एनपीएस योजनेचे आणखी एक फायदेशीर वैशिष्ट्य म्हणजे गुंतवणुकीचे इक्विटी, निश्चित परतावा साधने आणि सरकार यासह तीन प्रकारच्या मालमत्तेमध्ये विविधता आणली जाऊ शकते.बंध. अशा प्रकारे, गुंतवणूकदारांना त्यांच्या पसंतीच्या आधारावर मालमत्तेचे वाटप निवडण्याची संधी आहे आणिजोखीम भूक. तथापि, इक्विटी गुंतवणुकीची कमाल मर्यादा ५०% आहे.

एनपीएस योजना कमी खर्चिक आहे

एनपीएस योजनेत गुंतवणूक करण्यासाठी किमान रक्कम INR 6,000 वार्षिक आहे. म्हणून, ज्यांची वार्षिक बचत INR 6,000 इतकी कमी आहे ते या योजनेत सहज गुंतवणूक करू शकतात. तसेच, निधी हाताळणाऱ्या निधी व्यवस्थापकांकडून आकारले जाणारे शुल्क कमी आहे, कारण ही सरकार-समर्थित योजना आहे.

NPS खाते व्यावसायिकांद्वारे व्यवस्थापित केले जाते

NPS अंतर्गत येणारे फंड अनुभवी फंड व्यवस्थापकांद्वारे व्यवस्थापित केले जातात जे फंडांचे उत्तम गुंतवणूक व्यवस्थापन सुनिश्चित करतात ज्यामुळे चांगला NPS परतावा मिळतो.

राष्ट्रीय पेन्शन योजना: पैसे काढण्यावर कर उपचार

2017 च्या अर्थसंकल्पात खालील तरतुदी करण्यात आल्या आहेत:

निवृत्तीपूर्वी पैसे काढणे

जर एखाद्या ग्राहकाला वयाच्या 60 वर्षापूर्वी/किंवा निवृत्तीपूर्वी योजनेतून पैसे काढायचे असतील (आंशिक पैसे काढण्यासाठी निर्दिष्ट केलेल्या उद्देशाव्यतिरिक्त), काढलेली रक्कम करपात्र असणार नाही. तथापि, काढता येणारा निधी संचित संपत्तीच्या केवळ 20 टक्के इतकाच मर्यादित आहे. आणि जमा झालेल्या संपत्तीच्या उर्वरित 80 टक्के रक्कम ग्राहकांना मासिक पेन्शन प्रदान करण्यासाठी वार्षिकी खरेदीसाठी वापरावी लागेल. अशा परिस्थितीत, वार्षिक उत्पन्न हे वर्षभरात करपात्र असेलपावती वापरकर्त्याला लागू असलेल्या आयकर स्लॅब दरानुसार.

2017-18 च्या अर्थसंकल्पात, सरकारने आयकरातून सूट मिळालेल्या ग्राहकाने केलेल्या योगदानाच्या 25 टक्के अंशतः पैसे काढण्याची परवानगी दिली होती.

तथापि, ही सूट सध्या गैर-कर्मचारी सदस्यांसाठी उपलब्ध नाही. परंतु, अर्थसंकल्प 2018 नुसार, अर्थमंत्री अरुण जेटली यांनी NPS मधून करमुक्त पैसे काढण्याचे फायदे गैर-कर्मचारी सदस्यांना देखील वाढवण्याचा प्रस्ताव दिला आहे. गैर-कर्मचारी सदस्य त्यांच्या मॅच्युरिटी कॉर्पसच्या 40 टक्के पर्यंत करमुक्त पैसे काढू शकतात.NPS खाते.नवीन नियम 1 एप्रिल 2019 पासून लागू होणार आहे.

निवृत्तीनंतर किंवा वयाच्या ६० व्या वर्षी पैसे काढणे

निवृत्तीच्या वेळी, जमा केलेली संपत्ती 40 टक्क्यांपर्यंत काढल्यास करमुक्त आहे. तथापि, निवृत्तीच्या वेळी तुम्ही काढू शकणारा कमाल निधी ६० टक्के (संचित संपत्तीचा) आहे आणि शिल्लक, म्हणजे ४० टक्के रक्कम ग्राहकाला मासिक पेन्शन प्रदान करणाऱ्या वार्षिकी खरेदीसाठी वापरणे आवश्यक आहे.

सदस्याच्या मृत्यूनंतर पैसे काढणे

सबस्क्राइबरचा मृत्यू झाल्यास काढलेला कॉर्पस करमुक्त असेल. संपूर्ण संचित संपत्ती वापरकर्त्याच्या कायदेशीर नॉमिनीला दिली जाईल. मात्र, सरकारी कर्मचाऱ्यांच्या बाबतीत संपूर्ण रक्कम काढता येत नाही. नॉमिनीने अॅन्युइटी प्लॅनची खरेदी करणे अनिवार्य आहे.

सेवानिवृत्तीच्या वेळी किंवा 60 पूर्ण झाल्यावर 100% पैसे काढणे

NPS खात्यातील एकूण रक्कम निवृत्तीच्या तारखेपर्यंत किंवा वयाच्या ६० व्या वर्षी INR 2 लाखांपेक्षा कमी असल्यास, ग्राहक (स्वावलंबन वापरकर्त्यांशिवाय) पूर्ण पैसे काढण्याच्या पर्यायाचा लाभ घेऊ शकतात.

1. Tata Retirement Savings Fund-Moderate

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

Tata Retirement Savings Fund-Moderate is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.3% since its launch.  Ranked 2 in Retirement Fund category.  Return for 2023 was 25.3% , 2022 was -1.9% and 2021 was 20.5% .

Below is the key information for Tata Retirement Savings Fund-Moderate

Tata Retirement Savings Fund-Moderate
Growth
Launch Date 1 Nov 11
NAV (31 Oct 24) ₹63.4659 ↑ 0.25   (0.40 %)
Net Assets (Cr) ₹2,233 on 30 Sep 24
Category Solutions - Retirement Fund
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio 2.41
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 150
Exit Load 0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,305
31 Oct 21₹13,924
31 Oct 22₹13,824
31 Oct 23₹15,403
31 Oct 24₹20,230

Tata Retirement Savings Fund-Moderate SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579
Invest Now

Returns for Tata Retirement Savings Fund-Moderate

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24

DurationReturns
1 Month -3.2%
3 Month -0.3%
6 Month 12.2%
1 Year 31.3%
3 Year 13.3%
5 Year 15.1%
10 Year
15 Year
Since launch 15.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 25.3%
2022 -1.9%
2021 20.5%
2020 15.1%
2019 8.6%
2018 -3.6%
2017 38.8%
2016 6.7%
2015 7.7%
2014 55.1%
Fund Manager information for Tata Retirement Savings Fund-Moderate
NameSinceTenure
Murthy Nagarajan1 Apr 177.51 Yr.
Sonam Udasi1 Apr 168.51 Yr.

Data below for Tata Retirement Savings Fund-Moderate as on 30 Sep 24

Asset Allocation
Asset ClassValue
Cash12.88%
Equity78.98%
Debt8.14%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK
5%₹119 Cr687,500
ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC
4%₹82 Cr1,576,000
Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 543320
3%₹65 Cr2,367,000
↑ 117,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE
2%₹55 Cr187,000
↓ -110,000
Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS
2%₹55 Cr47,400
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO
2%₹55 Cr266,500
↓ -8,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS
2%₹54 Cr126,000
↑ 14,436
BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE
2%₹49 Cr132,000
Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | MGL
2%₹45 Cr234,000
Kirloskar Pneumatic Co Ltd (Industrials)
Equity, Since 31 Aug 22 | 505283
2%₹40 Cr305,000

2. Tata Retirement Savings Fund - Progressive

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

Tata Retirement Savings Fund - Progressive is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.5% since its launch.  Ranked 6 in Retirement Fund category.  Return for 2023 was 29% , 2022 was -3.9% and 2021 was 23.3% .

Below is the key information for Tata Retirement Savings Fund - Progressive

Tata Retirement Savings Fund - Progressive
Growth
Launch Date 1 Nov 11
NAV (31 Oct 24) ₹65.4083 ↑ 0.38   (0.59 %)
Net Assets (Cr) ₹2,182 on 30 Sep 24
Category Solutions - Retirement Fund
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio 2.6
Information Ratio -0.53
Alpha Ratio 1.94
Min Investment 5,000
Min SIP Investment 150
Exit Load 0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,107
31 Oct 21₹14,207
31 Oct 22₹13,842
31 Oct 23₹15,502
31 Oct 24₹21,122

Tata Retirement Savings Fund - Progressive SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for Tata Retirement Savings Fund - Progressive

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24

DurationReturns
1 Month -4.5%
3 Month -1%
6 Month 13%
1 Year 36.3%
3 Year 14.1%
5 Year 16.1%
10 Year
15 Year
Since launch 15.5%
Historical performance (Yearly) on absolute basis
YearReturns
2023 29%
2022 -3.9%
2021 23.3%
2020 14.4%
2019 11.5%
2018 -6.1%
2017 49.1%
2016 3.1%
2015 7.8%
2014 47.4%
Fund Manager information for Tata Retirement Savings Fund - Progressive
NameSinceTenure
Murthy Nagarajan1 Apr 177.51 Yr.
Sonam Udasi1 Apr 168.51 Yr.

Data below for Tata Retirement Savings Fund - Progressive as on 30 Sep 24

Asset Allocation
Asset ClassValue
Cash6.38%
Equity93.62%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK
6%₹131 Cr754,000
ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC
4%₹90 Cr1,728,000
Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 543320
3%₹74 Cr2,718,000
↑ 198,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE
3%₹64 Cr218,000
↓ -103,000
Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS
3%₹62 Cr53,755
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS
3%₹61 Cr144,000
↑ 21,411
BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE
2%₹54 Cr146,000
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO
2%₹51 Cr249,600
↓ -5,000
Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | MGL
2%₹51 Cr261,000
DOMS Industries Ltd (Industrials)
Equity, Since 31 Dec 23 | DOMS
2%₹45 Cr165,996

3. Tata Retirement Savings Fund - Conservative

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

Tata Retirement Savings Fund - Conservative is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 9% since its launch.  Ranked 7 in Retirement Fund category.  Return for 2023 was 12.1% , 2022 was 0.1% and 2021 was 7.6% .

Below is the key information for Tata Retirement Savings Fund - Conservative

Tata Retirement Savings Fund - Conservative
Growth
Launch Date 1 Nov 11
NAV (31 Oct 24) ₹30.7229 ↑ 0.04   (0.13 %)
Net Assets (Cr) ₹177 on 15 Oct 24
Category Solutions - Retirement Fund
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio 2.21
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,716
31 Oct 21₹12,041
31 Oct 22₹12,059
31 Oct 23₹12,903
31 Oct 24₹14,802

Tata Retirement Savings Fund - Conservative SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357
Invest Now

Returns for Tata Retirement Savings Fund - Conservative

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24

DurationReturns
1 Month -1.2%
3 Month 0.6%
6 Month 6.3%
1 Year 14.7%
3 Year 7.1%
5 Year 8.2%
10 Year
15 Year
Since launch 9%
Historical performance (Yearly) on absolute basis
YearReturns
2023 12.1%
2022 0.1%
2021 7.6%
2020 11.8%
2019 7.6%
2018 0.8%
2017 15.1%
2016 10.6%
2015 6.4%
2014 20.6%
Fund Manager information for Tata Retirement Savings Fund - Conservative
NameSinceTenure
Murthy Nagarajan1 Apr 177.51 Yr.
Sonam Udasi1 Apr 168.51 Yr.

Data below for Tata Retirement Savings Fund - Conservative as on 15 Oct 24

Asset Allocation
Asset ClassValue
Cash28.03%
Equity29.17%
Debt42.8%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.17% Govt Stock 2030
Sovereign Bonds | -
9%₹15 Cr1,500,000
7.38% Govt Stock 2027
Sovereign Bonds | -
9%₹15 Cr1,500,000
7.36% Govt Stock 2052
Sovereign Bonds | -
6%₹11 Cr1,000,000
7.27% Govt Stock 2026
Sovereign Bonds | -
6%₹10 Cr1,000,000
Power Finance Corporation Limited
Debentures | -
6%₹10 Cr100
Jamnagar Utilities And Power Pvt Limited
Debentures | -
5%₹10 Cr100
8.24% Govt Stock 2027
Sovereign Bonds | -
3%₹5 Cr500,000
8.2% Govt Stock 2025
Sovereign Bonds | -
3%₹5 Cr500,000
Bharti Telecom Limited
Debentures | -
3%₹5 Cr50
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK
2%₹4 Cr20,750

4. HDFC Retirement Savings Fund - Equity Plan

The investment objective of the Investment Plans offered under the Scheme is to generate a corpus to provide for pension to an investor in the form of income to the extent of the redemption value of their holding after the age of 60 years by investing in a mix of securities comprising of equity, equity related instruments and/or Debt/Money Market Instruments.

HDFC Retirement Savings Fund - Equity Plan is a Solutions - Retirement Fund fund was launched on 25 Feb 16. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 20.3% since its launch.  Return for 2023 was 32.6% , 2022 was 8.6% and 2021 was 42.5% .

Below is the key information for HDFC Retirement Savings Fund - Equity Plan

HDFC Retirement Savings Fund - Equity Plan
Growth
Launch Date 25 Feb 16
NAV (31 Oct 24) ₹49.913 ↑ 0.20   (0.40 %)
Net Assets (Cr) ₹6,168 on 30 Sep 24
Category Solutions - Retirement Fund
AMC HDFC Asset Management Company Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 1.86
Sharpe Ratio 2.91
Information Ratio 0.98
Alpha Ratio 2.92
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,014
31 Oct 21₹16,996
31 Oct 22₹18,071
31 Oct 23₹21,556
31 Oct 24₹29,179

HDFC Retirement Savings Fund - Equity Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623
Invest Now

Returns for HDFC Retirement Savings Fund - Equity Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24

DurationReturns
1 Month -4.5%
3 Month -1.4%
6 Month 10.3%
1 Year 35.4%
3 Year 19.7%
5 Year 23.9%
10 Year
15 Year
Since launch 20.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 32.6%
2022 8.6%
2021 42.5%
2020 18.3%
2019 5.2%
2018 -6%
2017 37.7%
2016
2015
2014
Fund Manager information for HDFC Retirement Savings Fund - Equity Plan
NameSinceTenure
Shobhit Mehrotra25 Feb 168.6 Yr.
Srinivasan Ramamurthy14 Dec 212.8 Yr.
Dhruv Muchhal22 Jun 231.28 Yr.

Data below for HDFC Retirement Savings Fund - Equity Plan as on 30 Sep 24

Asset Allocation
Asset ClassValue
Cash7.67%
Equity91.5%
Debt0.82%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 29 Feb 16 | HDFCBANK
8%₹485 Cr2,800,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 16 | ICICIBANK
6%₹395 Cr3,100,000
↑ 100,000
Axis Bank Ltd (Financial Services)
Equity, Since 29 Feb 16 | 532215
4%₹222 Cr1,800,000
↑ 200,000
Infosys Ltd (Technology)
Equity, Since 29 Feb 16 | INFY
3%₹206 Cr1,100,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 28 Feb 22 | BHARTIARTL
3%₹188 Cr1,100,000
Reliance Industries Ltd (Energy)
Equity, Since 29 Feb 16 | RELIANCE
3%₹177 Cr600,000
State Bank of India (Financial Services)
Equity, Since 29 Feb 16 | SBIN
3%₹158 Cr2,000,000
HCL Technologies Ltd (Technology)
Equity, Since 30 Apr 23 | HCLTECH
2%₹153 Cr850,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Sep 23 | KOTAKBANK
2%₹148 Cr800,000
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | MARUTI
2%₹146 Cr110,000

5. HDFC Retirement Savings Fund - Hybrid - Debt Plan

The investment objective of the Investment Plans offered under the Scheme is to generate a corpus to provide for pension to an investor in the form of income to the extent of the redemption value of their holding after the age of 60 years by investing in a mix of securities comprising of equity, equity related instruments and/or Debt/Money Market Instruments.

HDFC Retirement Savings Fund - Hybrid - Debt Plan is a Solutions - Retirement Fund fund was launched on 25 Feb 16. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 8.8% since its launch.  Return for 2023 was 11.2% , 2022 was 3.7% and 2021 was 8.7% .

Below is the key information for HDFC Retirement Savings Fund - Hybrid - Debt Plan

HDFC Retirement Savings Fund - Hybrid - Debt Plan
Growth
Launch Date 25 Feb 16
NAV (31 Oct 24) ₹20.8815 ↑ 0.02   (0.11 %)
Net Assets (Cr) ₹163 on 30 Sep 24
Category Solutions - Retirement Fund
AMC HDFC Asset Management Company Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 2.13
Sharpe Ratio 2.5
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,611
31 Oct 21₹11,983
31 Oct 22₹12,375
31 Oct 23₹13,406
31 Oct 24₹15,325

HDFC Retirement Savings Fund - Hybrid - Debt Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357
Invest Now

Returns for HDFC Retirement Savings Fund - Hybrid - Debt Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24

DurationReturns
1 Month -0.8%
3 Month 1%
6 Month 5.7%
1 Year 14.3%
3 Year 8.5%
5 Year 8.9%
10 Year
15 Year
Since launch 8.8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 11.2%
2022 3.7%
2021 8.7%
2020 10.4%
2019 7.6%
2018 0.7%
2017 12.4%
2016
2015
2014
Fund Manager information for HDFC Retirement Savings Fund - Hybrid - Debt Plan
NameSinceTenure
Shobhit Mehrotra26 Feb 168.6 Yr.
Srinivasan Ramamurthy14 Dec 212.8 Yr.
Dhruv Muchhal22 Jun 231.28 Yr.

Data below for HDFC Retirement Savings Fund - Hybrid - Debt Plan as on 30 Sep 24

Asset Allocation
Asset ClassValue
Cash1,195.37%
Debt45.78%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Future on Tata Consultancy Services Ltd
Derivatives | -
810%-₹1,322 Cr
Future on Larsen & Toubro Ltd
Derivatives | -
368%-₹601 Cr
6.67% Govt Stock 2050
Sovereign Bonds | -
9%₹15 Cr1,500,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 15 May 22 | TCS
9%₹14 Cr32,977
Mahindra Rural Housing Finance Limited
Debentures | -
6%₹10 Cr100
Tmf Holdings Limited
Debentures | -
6%₹10 Cr100
6.19% Govt Stock 2034
Sovereign Bonds | -
6%₹10 Cr1,000,000
7.57% Govt Stock 2033
Sovereign Bonds | -
5%₹8 Cr750,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 16 | LT
4%₹7 Cr19,700
8.97% Govt Stock 2030
Sovereign Bonds | -
4%₹6 Cr550,000

NPS कॅल्क्युलेटर

फायद्यांनंतर, NPS ची गणना कशी करायची ते जाणून घेऊ.

येथे एक उदाहरण आहे -

पॅरामीटर ओळखपत्रे
वर्षांमध्ये वय 20
मासिक योगदान INR 1,000
गुंतवणूकीची एकूण वर्षे 40 वर्षे
अपेक्षितगुंतवणुकीवर परतावा 10%
एकूण पेन्शन संपत्ती INR ६३.७६.७८१
वार्षिकीमध्ये पुनर्गुंतवणूक केलेल्या कॉर्पसची टक्केवारी ६०%
वार्षिकी योजनेच्या खरेदीसाठी रक्कम INR 38,23,069
अपेक्षित वार्षिकी दर ६%
मासिक पेन्शन INR 19, 131
परिपक्वतेवर पैसे काढणे 25, 50,172 रुपये

अधिक चांगल्या प्रकारे समजून घेण्यासाठी खाली दिलेले सेवानिवृत्ती कॅल्क्युलेटर वापरा-

Know Your Monthly SIP Amount

   
My Goal Amount:
Goal Tenure:
Years
Expected Annual Returns:
%
Total investment required is ₹6,659/month for 20 Years
to achieve ₹10,000,000
Invest Now

त्यामुळे, तुमच्या वाढत्या वर्षांमध्ये तुमच्या राहणीमानाशी तडजोड करू नका, राष्ट्रीय पेन्शन योजनेत (NPS) गुंतवणूक करा.

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.
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