National Pension System
National Pension System
What is a National Pension System
We offer a range of Corporate Fixed Deposits varying in tenures, interest rates & institutions to suit your investment needs. The deposit schemes have been specially chosen from high-safety options to ensure that you enjoy the twin benefits of returns and protection.
In these uncertain times, get the most of your hard-earned money without the risk of losing it. Invest your money in our Fixed Deposit schemes that offer you highly competitive interest rates and help it grow consistently over a period of time.
Bonds are basically a way for companies & governments for issuing capital for expansion, infrastructural projects, etc. By issuing bonds to the public, the organizations & Government can raise money for their projects. In simple terms bonds are like a loan for which you are the lender. The organization who sells the bonds is known as issuer & the holder is called as an investor.
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Active Users
Features & Benefits
Features & Benefits
- Depositor can earn interest on surplus funds available in the account
- Encourages saving habit
- Only one fixed deposit account can be opened at a time. The depositor can open multiple accounts for other such deposits
- The deposit can be renewed or withdrawn up on maturity
- As per traditional scheme, the interest earned on FDs gets credited to the depositor’s account either on monthly or quarterly basis, as opted by the account holder
- Premature withdrawals are not permitted but in case of emergency, banks allow closure of FD accounts. The deduction charges will be levied (percentage of charges may vary from bank to bank)
- NCDs offer high returns & low risk options. The interest rate & rate of return are subject to market conditions
- As per section 193 of Income Tax Act, there will be no tax levied on securities issued by companies if they are in a demat form & listed on a stock exchange. However, they are taxable if held in physical form
- NCDs are rated by agencies like FITCH, CRISIL & ICRA
- They are offered in four options: monthly, quarterly, annual & cumulative interest.
- They offer a potentially attractive and regular income avenue as the rate of interest is fixed (in most cases but not all) till maturity.
Testimonial
Genuine Review Form Statisifed Customers
NPS through KSquare was a seamless experience. Their regular updates and advice on risk levels helped a lot.
The pension solutions offered by KSquare are well-structured. I got real-time assistance and no sales pressure at all.
I started my NPS with KSquare last year, and the process was very smooth. I trust them with long-term goals.
KSquare made my NPS journey easy. Their guidance and clear comparison of schemes helped me confidently plan for retirement. I highly recommend their personalized pension support.
With KSquare’s help, I finally understood the benefits of NPS. Their team is responsive and really knows their stuff.
Thanks to KSquare, my retirement plan feels organized. Their NPS tools and knowledge gave me real confidence in the future.
For long-term stability, I trust KSquare’s NPS guidance. Their regular insights and personal approach are top-notch.
I enrolled in NPS through KSquare and found their portal extremely intuitive. Their team guided me at every step.
Investing in NPS with KSquare has given me great peace of mind. Their platform is user-friendly and informative for long-term goals.
KSquare really simplified the NPS process for me. I appreciate their educational approach and helpful customer support.
Frequently asked questions
Common business and finance question and answer
How do I choose the right asset allocation in NPS?
KSquare helps you select between Active and Auto choices based on your age, risk appetite, and retirement goals.
What happens to my NPS account if I change jobs?
NPS is portable across employers, so your contributions continue seamlessly without any disruption or need for new registration.
What is the National Pension System (NPS)?
NPS is a government-backed retirement savings scheme that lets you invest during your working life and withdraw upon retirement.
Can I nominate someone for my NPS account?
Yes, nomination is mandatory and can be easily added or updated through your KSquare profile.
How are NPS returns calculated?
NPS returns depend on the performance of the equity, corporate debt, and government bond funds you select within your portfolio.
Is NPS better than PPF or EPF for retirement?
NPS can offer higher returns due to market exposure, while PPF and EPF are safer but lower-yielding. It’s best to diversify.