National Pension System guide — how it works and the bonus tax benefit.
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Government-backed retirement scheme investing in equity, bonds, and government securities.
Section 80CCD(1B) gives ₹50,000 additional deduction beyond 80C. In 30% bracket, saves ₹15,600/year.
NPS equity option: 9-12% historically. Market-linked, not guaranteed.
Educational content. Consider your goals before investing.
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All calculations use standard financial formulas. SIP returns use compound interest formula: FV = PMT × [((1+r)^n - 1) / r]. EMI uses: EMI = P × r × (1+r)^n / [(1+r)^n - 1]. Tax calculations follow Income Tax Act provisions for the current assessment year. Insurance premiums are indicative market averages.
Sources: RBI, SEBI, Income Tax Department of India, CIBIL, IRDA, LIC of India. Data verified as of Aug 2026.
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Disclaimer: This website provides general educational information only and does not provide personalized investment advice or recommendations. Financial decisions should be made after considering individual circumstances and consulting a qualified professional where appropriate. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance does not guarantee future results.