Is there any penalty for missing a SIP installment?

No penalties are charged by mutual funds for missing SIPs, but your bank may charge ECS failure fees if funds are insufficient.

What is the minimum investment for NPS?

You can start your NPS investment with as little as ₹500 for Tier I and ₹1,000 for Tier II accounts.

Debt and liquid funds are ideal for short-term goals, while equity funds are better for long-term wealth creation.

No, you’re allowed only one NPS Tier I account, which is linked to your Permanent Retirement Account Number (PRAN).

Partial withdrawals of up to 25% are allowed after 3 years for specific purposes like medical emergencies, education, or house purchase.

Interest rates vary by lender and profile, but KSquare offers competitive rates starting as low as 9% annually with minimal processing fees.

Yes, joint investments are allowed with a resident Indian, provided KYC and bank account norms are met.

KSquare helps you select between Active and Auto choices based on your age, risk appetite, and retirement goals.

Most lenders allow prepayment without extra charges. KSquare ensures these terms are clearly shared before you proceed.

SIP involves regular, small investments over time, while lump sum is a one-time larger investment. SIP is better for market averaging.

NPS is regulated by PFRDA and offers transparency, safety, and steady growth through professional fund managers.

After the subscription period, units are allotted based on the face value and investment amount on the allotment date.