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Your Path to
Financial Freedom

  • sda

    PFRDA Regulated

  • ds

    Voluntary Investment Plan

  • sad

    Eligible for 18-70 Years

  • gj

    Launched by Government of India

NPS Banner National Pension System Account Online

Calculate Your Wealth

Calculate returns on your National Pension System (NPS) Investment mode today, for a better tomorrow

  • 18
  • 60
per month
  • ₹ 500
  • ₹ 500000
  • 40%
  • 100%
  • 60
  • 75
  • 5%
  • 15%
  • 5%
  • 15%







Why Invest in National Pension System (NPS)?

Tax Benefits

Tax Benefits

  1. With NPS, You can avail additional deduction of upto Rs. 50,000 under 80CCD(1B) over and above deduction of upto Rs. 1.50 lakh under 80C.

Triple E Income Benefits

Triple E Income Benefits

Tax exemption on the Investment, Returns & Majority amount.

Retirement Benefits

Retirement Benefits

NPS secures your retirement by giving you lumpsum income at your retirement age and attractive monthly pension after retirement. 

Investment Benefit

Investment Benefit

NPS can give you maximum and better return on Investment by using power of compounding.

Cost Benefit

Cost Benefit

NPS is a low cost retirement product with only 0.01 % cost investment every year. 


How does National Pension System (NPS) work?

Start investing in National Pension System (NPS) as early as the age of 18 and get great,
steady returns by the time you turn 60!

what is National Pension System

The National Pension Scheme (NPS) is a long-term investment and pension plan launched by the Government of India, aimed at providing Indian citizens with the opportunity to build a secure retirement fund. It's cost-effective, allowing minimal individual investments to grow over time. Whether you switch jobs or move, NPS stays with you, ensuring flexibility for various professions and locations.


It is administered by the Pension Fund Regulatory and Development Authority (PFRDA), NPS ensures close monitoring for reliability.


To access NPS services and receive monthly annuities post-retirement, subscribers need a Permanent Retirement Account Number (PRAN). It's a reliable way to secure your future, offering peace of mind and financial stability during retirement.

Tax Benefits of NPS

The National Pension Scheme (NPS) offers the following tax advantages to self-employed people and salaried persons:


  • Under Section 80CCD(1), salaried employees may set aside up to 10% of their income for NPS investments, up to a maximum of Rs. 1.5 lakh annually.
  • A further deduction of Rs. 50,000 is permitted under Section 80CCD(1B), for a total of Rs. 2 lakh.
  • Under Section 80CCD(1B), self-employed contractors are eligible to deduct an additional Rs. 50,000 and up to 20% of their gross annual income, up to a maximum of Rs. 1.5 lakh.
  • Under Section 80CCD(2), NPS contributors who make direct or employer-paid contributions are eligible for additional deductions.

How to Open NPS Account

An NPS account can be opened with ease through ICICI Bank's simplified online facilities. Here are the two ways to open NPS account with ICICI Bank:


NPS Account with iMobile Pay App:

To open your NPS account with ICICI Bank, follow the steps below:

  1. Log in to the ICICI Bank iMobile Pay app.
  2. Click the "Invest and Insure" section.
  3. Find the “Instant NPS” feature.
  4. Fill in all the required details such as your investment amount, personal information, and nominee details.
  5. Now, upload your photo and signature.
  6. After verifying the information, submit your application through the app.


NPS Account with ICICI Bank Net Banking:

Here’s how you can open an NPS account online through Net Banking facility of ICICI Bank:

  1. Log in to the ICICI Bank Net Banking.
  2. Find the section, “Investments and Insurance”.
  3. Next click “National Pension System”.
  4. Fill your investment amount, personal information, and nominee details.
  5. Next, upload your photo and signature.
  6. Confirm the details and click “Submit”.


Please note: Your first contribution to the NPS account must be made online within 45 days of PRAN generation to avoid account freezing.

What are the tax benefits for both Salaried Individuals and Self Employed Individuals

The National Pension System (NPS) is a well-known voluntary retirement savings plan in India. Under NPS, section 80C tax benefits are now available to both salaried and self-employed individuals. The specifics for both categories are as follows:


  1. For salaried individuals: Under IT Act Section 80CCD(1), every person who works as a salaried employee for an organisation and has chosen to participate in NPS is qualified to file a tax claim. The deduction is first restricted to 10% of the pay and is then subject to an additional Rs. 1,50,000 threshold.
  2. For self employed individuals: When you are a self-employed individual, the tax deduction is initially limited to 20% of the gross total income and then it is further subject to Rs. 1,50,000.


Additionally, an employee or self-employed individual can claim a tax deduction under section 80CCD(1B) of the Income Tax Act for contributions made to the NPS. This deduction is for an additional Rs. 50,000 over and above the existing Rs. 1,50,000 limit specified earlier.

Benefits of NPS

Below are the key benefits of NPS:


  1. Regulated: NPS comes under PFRDA, Government of India, ensuring transparent guidelines and consistent monitoring by the NPS Trust.
  2. Voluntary: NPS is available to all Indian citizens, and offers flexibility in investment amounts and timing.
  3. Flexibility: Choose or change your Point of Presence (POP), investment pattern, and fund manager for optimised returns.
  4. Cost-effective: NPS is among the most economical investment options, with low-cost plans for long-term savings.
  5. Portability: Your NPS account and PRAN remain unchanged, regardless of employment or relocation.
  6. Superannuation Fund Transfer: Tax-free transfer of superannuation funds to your NPS account, subject to approvals.
  7. Tax Benefits: Tax benefits for Salaried and Self-Employed individuals make NPS a smart and preferred choice for retirement planning.



How to invest in
National Pension System (NPS)?

  • iMobile Pay App
  • Net Banking
  • 01. Login to ICICI Bank iMobile Pay app> Invest and Insure> Instant NPS
  • 02. Fill all the required details (Investment, Personal, Nominee details & Upload your photo and signature)
  • 03. Confirm all your details and then submit.
Invest in NPS
  • 01. Login to ICICI Bank Net Banking> Investments and Insurance> National Pension System
  • 02. Fill all the required details (Investment, Personal, Nominee details & Upload your photo and signature)
  • 03. Confirm all your details and then submit.
Invest in NPS

How to make contribution in National Pension System (NPS)?

  • Login to ICICI Bank Net Banking> Investments and Insurance> National Pension System
  • Click on Make Contribution & fill all the mandatory details.
  • Preview the details filled and click on ‘Submit’ to register the biller and fund the NPS Account.

Please Note: First contribution towards National Pension System (NPS) needs to be made online within 45 days of PRAN generation or the Account will be frozen.

National Pension System (NPS) FAQs

What is National Pension System (NPS)?

NPS is an easily accessible, low cost, tax-efficient, flexible and portable, voluntary defined-contribution, retirement savings scheme introduced by the Government of India and regulated by the Pension Fund Regulatory and Development Authority (PFRDA).

What are the key features of NPS?

1. Regulated - NPS is regulated by PFRDA, which is established through an Act of Parliament (PFRDA Act 2013)

2. Pension for all - can be voluntarily subscribed by any Indian citizen (resident/non-resident/overseas citizen)

3. Low cost – NPS is one of the low cost pension schemes in the world

4. Flexible - Subscribers have various options to choose from - Point of Presence (PoP), Central Recordkeeping Agency (CRA), Pension Fund and Asset Allocation, etc. The choices exercised can be changed subsequently

5. Portable – NPS Account can be transferred across employment, location(s)/geography(ies)

6. Tax efficient – Tax incentives are available to the subscribers under the Income Tax Act 1961.

7. Optimum returns – Market linked returns based on the investment choice made by the subscriber

8. Transparent – Subscribers can access their NPS Accounts online 24X7 and public disclosures are mandated.

What is the eligibility criteria for NPS?

  • Any Indian citizen (resident or non-resident) and overseas citizen of India (OCI)
  • Aged between 18-70 years
  • Compliant to Know Your Customer (KYC) norms.

Hindu Undivided Families (HUFs) and Persons of Indian Origin (PIO) are not eligible for subscribing to NPS.

NPS is an Individual Pension Account and cannot be opened on behalf of a third person. The applicant should be legally competent to execute a contract as per the Indian Contract Act.

What is the All Citizen model?


Citizens of India who are financially not dependent like self-employed, professionals, etc. can open and contribute to his/her Individual Pension Account for creating a pension corpus from which regular income will be generated after retirement/working age.

What is a Corporate model?

This model is applicable for the employees working with corporates. Under this model, employee as well as the employer (on behalf of the employee), both can contribute towards the NPS Account of the employee.

Is NPS a good Investment Option?

Yes, the National Pension System (NPS) is where investors can contribute some amount of money at regular intervals until retirement. After retirement, investors can withdraw this accumulated amount to use for their needs. In this way, NPS acts as a good long term investment for your money after retirement.

How can I log in to NPS Online?

Here are the steps to follow for logging in to your NPS account online:

  1. Visit the NSDL NPS portal (
  2. Click "Login with PRAN/IPIN".
  3. Enter your PRAN and password, then click "Submit" to access your E-NPS account.

For first-time login

  1. Click "Reset Password".
  2. Enter PRAN, date of birth, new password, confirm password, and captcha.
  3. Click "Submit".
  4. Enter the OTP received on your registered mobile number to confirm.
  5. Login using your PRAN and new password.