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Fincash »सरकारी योजना »राष्ट्रीय पेन्शन योजना

NPS (राष्ट्रीय पेन्शन योजना) म्हणजे काय?

Updated on March 30, 2025 , 171249 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 14.1% since its launch.  Ranked 2 in Retirement Fund category.  Return for 2024 was 19.5% , 2023 was 25.3% and 2022 was -1.9% .

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

Tata Retirement Savings Fund-Moderate
Growth
Launch Date 1 Nov 11
NAV (01 Apr 25) ₹58.7221 ↓ -0.53   (-0.89 %)
Net Assets (Cr) ₹1,908 on 28 Feb 25
Category Solutions - Retirement Fund
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio -0.08
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 Mar 20₹10,000
31 Mar 21₹14,768
31 Mar 22₹16,480
31 Mar 23₹16,466
31 Mar 24₹21,518
31 Mar 25₹23,417

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 ₹481,656.
Net Profit of ₹181,656
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 1 Apr 25

DurationReturns
1 Month 4.4%
3 Month -9.2%
6 Month -10.6%
1 Year 7.1%
3 Year 11.7%
5 Year 18.9%
10 Year
15 Year
Since launch 14.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 19.5%
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%
Fund Manager information for Tata Retirement Savings Fund-Moderate
NameSinceTenure
Murthy Nagarajan1 Apr 177.92 Yr.
Sonam Udasi1 Apr 168.92 Yr.

Data below for Tata Retirement Savings Fund-Moderate as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash11.03%
Equity74.04%
Debt14.94%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Government Of India (07/10/2034)
Sovereign Bonds | -
7%₹126 Cr12,500,000
↑ 12,500,000
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK
6%₹119 Cr687,500
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS
4%₹74 Cr211,500
ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC
3%₹64 Cr1,613,000
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO
3%₹55 Cr266,500
Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 543320
3%₹54 Cr2,412,000
↑ 45,000
BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE
3%₹50 Cr108,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE
3%₹50 Cr414,000
Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS
3%₹48 Cr54,855
↑ 315
Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | MGL
2%₹39 Cr315,000

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 14.1% since its launch.  Ranked 6 in Retirement Fund category.  Return for 2024 was 21.7% , 2023 was 29% and 2022 was -3.9% .

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

Tata Retirement Savings Fund - Progressive
Growth
Launch Date 1 Nov 11
NAV (01 Apr 25) ₹58.9537 ↓ -0.55   (-0.92 %)
Net Assets (Cr) ₹1,803 on 28 Feb 25
Category Solutions - Retirement Fund
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio -0.15
Information Ratio -0.17
Alpha Ratio 3.79
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 Mar 20₹10,000
31 Mar 21₹15,520
31 Mar 22₹17,297
31 Mar 23₹17,065
31 Mar 24₹23,228
31 Mar 25₹25,016

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 ₹505,644.
Net Profit of ₹205,644
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 1 Apr 25

DurationReturns
1 Month 5.1%
3 Month -11.7%
6 Month -14.1%
1 Year 5.8%
3 Year 12.3%
5 Year 20.6%
10 Year
15 Year
Since launch 14.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 21.7%
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%
Fund Manager information for Tata Retirement Savings Fund - Progressive
NameSinceTenure
Murthy Nagarajan1 Apr 178 Yr.
Sonam Udasi1 Apr 169 Yr.

Data below for Tata Retirement Savings Fund - Progressive as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash10.12%
Equity89.88%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK
7%₹131 Cr754,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS
5%₹85 Cr243,000
ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC
4%₹73 Cr1,853,000
Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 543320
3%₹60 Cr2,718,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE
3%₹58 Cr486,000
Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS
3%₹56 Cr64,035
↑ 315
BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE
3%₹54 Cr117,000
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO
3%₹52 Cr249,600
Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | MGL
2%₹43 Cr351,000
DOMS Industries Ltd (Industrials)
Equity, Since 31 Dec 23 | DOMS
2%₹40 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 8.6% since its launch.  Ranked 7 in Retirement Fund category.  Return for 2024 was 9.9% , 2023 was 12.1% and 2022 was 0.1% .

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

Tata Retirement Savings Fund - Conservative
Growth
Launch Date 1 Nov 11
NAV (31 Mar 25) ₹30.3401 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹169 on 28 Feb 25
Category Solutions - Retirement Fund
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio -0.43
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 Mar 20₹10,000
31 Mar 21₹11,837
31 Mar 22₹12,492
31 Mar 23₹12,632
31 Mar 24₹14,415
31 Mar 25₹15,326

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 1 Apr 25

DurationReturns
1 Month 2.5%
3 Month -1.8%
6 Month -2.5%
1 Year 6.3%
3 Year 7.1%
5 Year 8.9%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9.9%
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%
Fund Manager information for Tata Retirement Savings Fund - Conservative
NameSinceTenure
Murthy Nagarajan1 Apr 178 Yr.
Sonam Udasi1 Apr 169 Yr.

Data below for Tata Retirement Savings Fund - Conservative as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash8.9%
Equity25.08%
Debt66.02%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Government Of India (07/10/2034)
Sovereign Bonds | -
21%₹35 Cr3,500,000
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%₹10 Cr1,000,000
7.27% Govt Stock 2026
Sovereign Bonds | -
6%₹10 Cr1,000,000
Jamnagar Utilities & Power Private Limited
Debentures | -
6%₹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 18.4% since its launch.  Return for 2024 was 18% , 2023 was 32.6% and 2022 was 8.6% .

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 (01 Apr 25) ₹46.646 ↓ -0.46   (-0.97 %)
Net Assets (Cr) ₹5,571 on 28 Feb 25
Category Solutions - Retirement Fund
AMC HDFC Asset Management Company Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 1.86
Sharpe Ratio -0.31
Information Ratio 1.18
Alpha Ratio 0.94
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 Mar 20₹10,000
31 Mar 21₹17,716
31 Mar 22₹22,496
31 Mar 23₹24,791
31 Mar 24₹34,759
31 Mar 25₹37,273

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 ₹642,208.
Net Profit of ₹342,208
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 1 Apr 25

DurationReturns
1 Month 5.2%
3 Month -5.8%
6 Month -10.9%
1 Year 5.3%
3 Year 17.5%
5 Year 30.4%
10 Year
15 Year
Since launch 18.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 18%
2023 32.6%
2022 8.6%
2021 42.5%
2020 18.3%
2019 5.2%
2018 -6%
2017 37.7%
2016
2015
Fund Manager information for HDFC Retirement Savings Fund - Equity Plan
NameSinceTenure
Shobhit Mehrotra25 Feb 169.1 Yr.
Srinivasan Ramamurthy14 Dec 213.3 Yr.
Dhruv Muchhal22 Jun 231.78 Yr.

Data below for HDFC Retirement Savings Fund - Equity Plan as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash10.67%
Equity88.47%
Debt0.85%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 29 Feb 16 | HDFCBANK
9%₹520 Cr3,000,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 16 | ICICIBANK
7%₹385 Cr3,200,000
Axis Bank Ltd (Financial Services)
Equity, Since 29 Feb 16 | 532215
4%₹223 Cr2,200,000
↑ 200,000
Reliance Industries Ltd (Energy)
Equity, Since 29 Feb 16 | RELIANCE
4%₹204 Cr1,700,000
↑ 100,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 28 Feb 22 | BHARTIARTL
3%₹173 Cr1,100,000
Infosys Ltd (Technology)
Equity, Since 29 Feb 16 | INFY
3%₹169 Cr1,000,000
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | MARUTI
3%₹161 Cr135,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Sep 23 | KOTAKBANK
3%₹152 Cr800,000
State Bank of India (Financial Services)
Equity, Since 29 Feb 16 | SBIN
2%₹138 Cr2,000,000
HCL Technologies Ltd (Technology)
Equity, Since 30 Apr 23 | HCLTECH
2%₹134 Cr850,000

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 8.4% since its launch.  Return for 2024 was 9.9% , 2023 was 11.2% and 2022 was 3.7% .

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 Mar 25) ₹20.9479 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹155 on 28 Feb 25
Category Solutions - Retirement Fund
AMC HDFC Asset Management Company Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 2.13
Sharpe Ratio -0.47
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 Mar 20₹10,000
31 Mar 21₹11,561
31 Mar 22₹12,352
31 Mar 23₹12,966
31 Mar 24₹14,694
31 Mar 25₹15,762

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 ₹385,859.
Net Profit of ₹85,859
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 1 Apr 25

DurationReturns
1 Month 2.6%
3 Month 0.4%
6 Month -0.5%
1 Year 7.3%
3 Year 8.5%
5 Year 9.5%
10 Year
15 Year
Since launch 8.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9.9%
2023 11.2%
2022 3.7%
2021 8.7%
2020 10.4%
2019 7.6%
2018 0.7%
2017 12.4%
2016
2015
Fund Manager information for HDFC Retirement Savings Fund - Hybrid - Debt Plan
NameSinceTenure
Shobhit Mehrotra26 Feb 169.1 Yr.
Srinivasan Ramamurthy14 Dec 213.3 Yr.
Dhruv Muchhal22 Jun 231.78 Yr.

Data below for HDFC Retirement Savings Fund - Hybrid - Debt Plan as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash15.03%
Equity36.97%
Debt47.99%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.67% Govt Stock 2050
Sovereign Bonds | -
9%₹14 Cr1,500,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 15 May 22 | TCS
7%₹12 Cr32,977
Mahindra Rural Housing Finance Limited
Debentures | -
7%₹10 Cr100
Tmf Holdings Limited
Debentures | -
6%₹10 Cr100
6.19% Govt Stock 2034
Sovereign Bonds | -
6%₹10 Cr1,000,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 16 | LT
6%₹9 Cr28,700
Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 16 | RELIANCE
5%₹8 Cr66,500
↑ 17,000
7.57% Govt Stock 2033
Sovereign Bonds | -
5%₹8 Cr750,000
8.97% Govt Stock 2030
Sovereign Bonds | -
4%₹6 Cr550,000
7.5% Govt Stock 2034
Sovereign Bonds | -
3%₹5 Cr500,000

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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