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.
10K+
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- The deposit can be renewed or withdrawn up on maturity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
KSquare’s NPS support was practical and transparent. They helped me compare options and choose what’s best for my future.
KSquare’s pension guidance was much needed. Their team helped me select the right NPS tier and gave detailed explanations.
Investing in NPS with KSquare has given me great peace of mind. Their platform is user-friendly and informative for long-term goals.
I started my NPS with KSquare last year, and the process was very smooth. I trust them with long-term goals.
The pension solutions offered by KSquare are well-structured. I got real-time assistance and no sales pressure at all.
I was looking for a secure retirement plan, and KSquare’s NPS guidance made it very easy to start.
I’m thankful to KSquare for making the NPS onboarding so smooth. Their resources are easy to understand for non-finance people.
I had doubts about NPS before. KSquare explained every detail, making my decision easy. Their support and transparency are unmatched.
KSquare helped me choose the right pension fund with detailed comparisons. Their expert team made everything clear.
I appreciated how KSquare simplified the NPS jargon. Everything was laid out clearly with ongoing support.
Frequently asked questions
Common business and finance question and answer
What are Tier I and Tier II NPS accounts?
Tier I is the mandatory retirement account with tax benefits, while Tier II is voluntary with flexible withdrawals but no tax deductions.
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.
Can NRIs invest in NPS through KSquare?
Yes, NRIs can invest in NPS if they meet KYC norms. KSquare supports NRI onboarding for NPS accounts.
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.
Is NPS a good option for retirement planning?
Yes, NPS offers disciplined savings, market-linked returns, and tax benefits, making it a strong choice for long-term retirement planning.
What are the tax benefits of NPS?
NPS offers deductions up to ₹1.5 lakh under Section 80C and an additional ₹50,000 under Section 80CCD(1B) of the Income Tax Act.