NPS for individuals
Open and manage Tier I (retirement) and Tier II (flexible) accounts.
NPS & Corporate Services
Retirement security for you. Benefits that keep your team.
NPS for individuals, and corporate NPS, group health, group term and group accident covers for businesses.
Explained simply
What is NPS?
The National Pension System (NPS) is a regulated, long-term retirement savings scheme. You contribute regularly during your working years, the corpus is invested across asset classes, and at retirement a part is used to buy an annuity for pension.
Employers can also offer NPS as part of salary structuring, and combine it with group insurance to build a complete benefits package.
At a glance
- Low-cost, regulated pension framework
- Choice of asset allocation within rules
- Additional tax deduction possible under Section 80CCD(1B), as per prevailing tax laws
Plans & options
What we offer
Corporate NPS
Employer-sponsored NPS contributions as part of the salary package.
Group health
Hospitalisation cover for employees and, optionally, dependants.
Group term life
Life cover for employees at group rates.
Group personal accident
Cover against accidental death and disability.
Employee benefit consulting
Design a benefits mix that fits your team size and budget.
Benefits
Why add NPS and group benefits
Tax statements are as per prevailing tax laws and subject to conditions.
Disciplined retirement saving
Regular contributions build a long-term corpus.
Tax-aware
Deductions may apply as per prevailing tax laws — we explain the limits.
Attract and retain talent
Benefits are a visible reason employees stay.
Group-rate efficiency
Group covers can be cost-efficient versus individual policies.
Simple administration
We help with onboarding, endorsements and renewals.
Claim support
Help with documentation and follow-up on claims.
Free calculator
NPS pension estimator
Estimate corpus and monthly pension at retirement under assumed returns.
Who should consider it
Is this right for you?
- Salaried employees
- Self-employed professionals
- Business owners
- HR heads
- Startups building benefits
How we help
How we help
- 1
Understand your need
Individual retirement goal or team profile.
- 2
Design the plan
NPS allocation or group benefit structure.
- 3
Onboard
Account opening, documentation and employee communication.
- 4
Support & renew
Claims help, endorsements and annual review.
Compare
Tier I vs Tier II (individual NPS)
| Tier I | Tier II | |
|---|---|---|
| Purpose | Retirement savings | Flexible savings |
| Withdrawals | Restricted until retirement, per rules | Generally flexible |
| Tax treatment | As per prevailing tax laws | As per prevailing tax laws |
| Account | Mandatory primary account | Optional, needs an active Tier I |
For individuals
Open an NPS account, choose your allocation and build a retirement corpus step by step.
- Tier I & Tier II accounts
- Section 80CCD(1B) deduction possible, as per prevailing tax laws
- Annual review of contributions
For businesses
Corporate NPS and group covers for your team, with simple onboarding and claim support.
- Corporate NPS
- Group health, group term life, group personal accident
- Employee benefit consulting
For businesses
Request a corporate proposal
Share a few details and we will prepare a proposal for your team. No commitment.
FAQs
NPS & Corporate Services: common questions
Who can open an NPS account?
Indian citizens within the age limits set by the regulator can open an account, subject to KYC. We guide you through the process.
Do I have to buy an annuity?
At retirement, a minimum portion of the corpus must be used to buy an annuity, as per prevailing rules. The rest can be withdrawn as a lump sum under the rules in force.
What is corporate NPS?
An arrangement where the employer contributes to employees' NPS accounts as part of the salary structure. Tax treatment is as per prevailing tax laws.
What group covers can a small business buy?
Group health, group term life and group personal accident are common. Eligibility and minimum group size vary by insurer.
Can you help with employee onboarding?
Yes. We help with documentation, endorsements, and explaining benefits to your team.
Free consultation
Get free guidance on nps & corporate services
Tell us a little about yourself. We will call you back to understand your goals — no pressure, no jargon.
- Call us+91 88288 99979
- Message usWhatsApp Enquiry
- Emailsupport@nivaraedge.com
- Visit01, Building No. 80, Poddar Samruddhi Evergreen, Badlapur East, Thane – 421503, Maharashtra, India
- Office hours
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