Wednesday, February 26, 2014

National Pension Scheme (NPS) - Tax Saving 2014

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NPS for Tax Saving 

National Pension Scheme (NPS)

 

NPS, though not very new but is relatively a newer concept for tax payers. Under this scheme, one would get a unique permanent retirement account number or PRAN. After that you would not be required to change the same or obtain the new one even if you change your residence. Any Indian citizen between 18 and 60 years of age who is KYC compliant is eligible to opt of NPS. However, individuals who are not granted an "order of discharge" by a court and those with unsound mind cannot apply for NPS.

 

NPS is a defined contribution based retirement investment product. It offers two types of accounts to subscribers - Tier I and Tier II. While Tier I account is mandatory for opening of an NPS account, opening of Tier II account is optional and to be decided by the subscriber basing on his requirements. Under Tier I account, which is a non- with drawable account, one needs to contribute for retirement. This is a retirement account and can be claimed for tax benefits against the contributions made subject to the Income Tax rules in force. In case, if one opens Tier- II account ( a voluntary savings facility), one is free to withdraw from this account as per wishes. Remember, this is not a retirement account and thus contributions made cannot be claimed for tax benefits.

One can open an NPS account with authorized branches of service providers called Points of Presence, appointed by Pension Fund Regulatory & Development Authority (PFRDA). Tax payers have the option to shift from one branch to another branch at ones convenience.

 

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