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NPS New Rules 2025
Takeaway
NPS becomes a serious index-fund rival with 100% equity option, 15-year lock-in, and multi-scheme/multi-PRAN flexibility.
Summary
- PFRDA raises Tier-1 equity allocation cap from 75% to 100%, making NPS more attractive vs index funds for retirement
- Lump-sum tax-free withdrawal eligibility window cut from 60 years to 15 years of contribution (PPF-like); a proposal to raise tax-free lumpsum portion from 60% to 80% is open for subscriber feedback
- Unique identifier shifts from PRAN to PAN, allowing multiple PRANs across the 3 CRAs (Protean, KFinTech, CAMS) with different fund managers/portfolios in one account
- Pension fund houses can now launch high-risk, moderate-risk and low-risk equity schemes plus niche schemes targeting IT employees, gig workers, self-employed, corporates
- Expense ratio cap raised to 30 bps allowing more product variety; aimed at countering NPS outflows after new tax regime adoption
NPSretirementPFRDA
Original description
Excel Link 👉 https://t.me/moneypurseadv/185274 Share Your feedback With PFRDA 👉 Here https://www.pfrda.org.in/en/web/pfrda/feedback Write mail to PFRDA 👉 review-reg@pfrda.org.in Zerodha Account Link 👉 https://zerodha.com/open-account?c=ZMPVNW Angel Broking 👉 https://angel-one.onelink.me/Wjgr/8vxyj8iq UPSTOX 👉 https://tinyurl.com/y8sbw9w8 FLYERS 👉 https://bit.ly/3JZwgyc Buy Best Term/Health Insurance With Spam-free Advice—https://ditto.sh/1bzezx TELEGRAM: https://telegram.openinapp.co/money-purse Moneypurse Get Fit Family 👉 https://strava.app.link/4U0TAr1zzTb Follow our WhatsApp channel 👉 https://tinyurl.com/32cra3sc 👀 discover this Government-backed scheme NPS – National Pension System, that’s becoming even more powerful with the new rules effective from October 1, 2025. From this date, non-government NPS subscribers can invest up to 100% in equity under the new Multiple Scheme Framework (MSF). This means you get flexibility, higher growth potential, and diversification—all in a single PRAN account linked to your PAN. Highlights of the New NPS Rules (Oct 1, 2025): 100% Equity Investment option in High-Risk Variant 💹 Multiple Schemes under one PRAN via PAN 🌐 Moderate- & High-Risk variants for different investors Benchmarking against market indices for transparency 📊 Greater flexibility for salaried, self-employed & professionals 👉 Whether you are 25, 40, or nearing retirement, NPS now gives you more control, transparency, and growth potential ✅ Watch this video till the end to understand why NPS with 100% equity exposure could beat index funds in the long run. #NPS #PFRDA #RetirementPlanning #NewRules2025 #NationalPensionSystem Stay In Touch👇 Also connect with us on👇 📷Instagram: https://www.instagram.com/moneypurseadv/ 🕊Twitter: https://twitter.com/Moneypurseadv 📱Facebook: https://www.facebook.com/moneypurseadv/ Thanks for watching.. Team Money Purse What is in for you? 00:00 Introduction 01:23 The Change in Equity Exposure in Tier 1 02:10 The Change in Withdrawal 03:57 The Change in No. of PRANS 04:58 The Change in the Schemes 06:45 The Change in Expense 07:57 The Change in Entry & Exit Age 09:04 The Proposed change in NPS Vatsalya 09:30 The Schemes of NPS & Its Performance 10:14 The Increase in End Corpus with The Changes