This is a detailed presentation on NPS for corporates and also employees of private organisations. FundsIndia is a leading consultant for NPS. We help individuals and corporates open and manage their NPS accounts. Till date more than 4000 individuals and 15 corporates have opened NPS account leveraging our indepth knowledge in the field of National Pension System ( NPS ). Do mail us at nps@fundsindia.com if you are interested in opening a National Pension System ( NPS ) either for your company or employees.

1. Benefits of offering the
National
Pension
System
to your employees
www.fundsindia.com

2. National Pension System
 Created by Government of India.
 Managed by PFRDA (Pension Fund Regulatory Development Authority).
Benefits:
 Additional tax benefits for an employee upto 10% of Basic + DA over
and above all the other tax savings options.
 Lowest cost pension plan in the world.
 Portable across organizations.
 Investment choice with the employee – Auto choice & Active choice.
 Only instrument that can invest in capital markets and save on taxes
under 80 (c) after Direct Tax Code.
 Retirement savings – in addition to EPF.

3. Tax Benefit Illustration
Salary Head Existing (Rs.) After including NPS (Rs.)
Basic 2,40,000 2,40,000
Special allowance 96,000 72,000
NPS contribution (Through the employer) 24,000
Employer’s contribution to PF and Other
4,64,000 4,64,000
allowances
CTC 8,00,000 8,00,000
Tax benefit under 80(c) 1,00,000 1,00,000
Taxable Salary 2,36,000 2,12,000
Tax Saving @ 30% in NPS 7,200
Unbeatable Tax Savings
• Employee saves on taxes up to 10% of Basic in addition to 80 (c) tax
savings
• Employer can claim tax deductions for the NPS contribution.

4. Fund Manager & Fund Description
Subscriber can choose any one of the following five Pension Fund Managers:
• LIC Pension Fund Ltd.
• ICICI Prudential Pension Fund Management Company Limited.
• HDFC Pension Fund Management Company Limited.
• DSP Blackrock Pension Fund Managers Private Limited.
• Kotak Mahindra Pension Fund Limited.
• Reliance Capital Pension Fund Limited.
• SBI Pension Funds Limited.
• UTI Retirement Solutions Limited.
Allotment Table
Instrument Minimum Maximum
Equity (Index Funds) 0 50%
Corporate Bonds 0 100%
Government Bonds 0 100%
Note: Allotment can be changed once a year

5. Accumulation - Illustration
Assumed Return Rate During Accumulation Phase for a monthly
contribution of Rs.5,000
Age 8% 10% 12%
35 47,55,132 66,34,167 93,94,233
40 29,45,102 37,96,844 49,46,277
45 17,30,191 20,72,352 24,97,901
50 9,14,730 10,24,225 11,50,193

6. Applicable Charges:
Intermediary Charge Head Charge Method of Deduction
POP (Maximum permissible
charge for each subscriber)
Initial Subscriber registration
and contribution upload
Rs.100 + Rs.20 (only for the first
contribution)
To be collected upfront
Any subsequent transactions 0.25% of the contribution
amount subject to a
minimum of Rs.20 and a
maximum of Rs.25,000/-
CRA PRA Opening Charges Rs.50 Through cancellation of
units
Annual PRA Maintenance
cost per account
Rs.225
Charge per transaction Rs.5
Trustee Bank Per transaction emanating
from RBI location
ZERO Through NAV Deduction
Per transaction emanating
from a non - RBI location
Rs.15
Custodian (on asset value in
custody)
Asset Servicing Charges 0.0075% p.a. for electronic
segment and .05% p.a. for
physical segment
Fund Management charge Investment Management
Fee
0.25% p.a.

7. Fee Illustration
NPS Annual Fee Illustration - Subscriber
Per Annum Comments
NPS Contribution by Employee Rs.60,000 Contribution of Rs.5000 per
month
POP fee Rs.240 Rs.20 per transaction for 12
transactions
CRA Maintenance charges Rs.225 Annual Charge
CRA Transaction charge Rs.60 Transaction charge @ Rs.5 for
12 transactions.
Fund Management fee Rs.150 0.25% p.a. of Total amount
Total Annual Fee Rs.675
One time charges:
• Permanent Retirement Account Number (PRAN) registration fee: Rs.50/-
• Initial subscriber registration POP charges: Rs.100/-
• Initial contribution upload POP charges: Rs.20/-

8. Withdrawal information
Vesting Criteria Benefit
On attaining the retirement age Max 60% of the pension wealth may be
withdrawn in lump sum or in a phased
manner, between retirement age to next 10
years
Min 40% of the pension wealth to be kept
invested in life annuity
At any time before the defined age of
retirement
Max 20% of the pension wealth may be
withdrawn
At least 80% of the pension wealth to be
kept invested and annuitized at retirement
Death due to any cause Nominee receives 100% of the pension
wealth
If nominee wishes to continue he / she shall
have to subscribe to NPS individually

9. Who we are
• Online financial services platform for retail customers.
• We enable customers manage all their investments online in a single log-in.
• Provide investment options into Mutual Funds, Deposits, Equities, Gold,
Insurance & Loans.
• Value adds like Mobile portfolio, advisor on call, call centre, live chat, smart
solutions etc.
• We also provide consulting services for NPS.
• We provide services to 50000+ retail customers.
• We are professionally managed & venture capital backed.

10. Process
Given below are the details of our consulting services & process to enroll in NPS:
 PRE-REGISTRATION CONSULTING:
 Corporate registration.
 Payroll restructuring advice.
 Employee engagement.
 Employee subscription.
 PRAN number (Permanent Retirement Account Number) allotment.
 POST-REGISTRATION CONSULTING:
 Employee contribution:
• Monthly, quarterly, half-yearly or yearly).
• Minimum contribution is Rs.6000 per year for every employee.
 Contribution upload by corporate.
 NAV allotment.
 Portfolio advice.
 Grievance Handling.

11. Some of our clients
And Many more….

12. Thank you
For more information please mail
nps@fundsindia.com
07667 166 166 www.fundsindia.com/nps