Archive · 1 Oct 2025
NPS Subscribers Get More Investment Choices, Flexible Schemes
The government is making changes to the National Pension System (NPS) to give people more choices.
Now, people who invest in NPS can choose different plans with up to 100% of their money in stocks.
This allows investors to have more control over their investments.
The Finance Minister also wants to train women to help others enroll in the NPS.
The aim is to make retirement planning easier and more flexible for everyone.
The new framework allows for schemes based on employee personas or gig workers.
NPS has given attractive returns, with equity schemes yielding over 13% annually.
The government wants to create a consistent framework across all pension products.
New Multiple Scheme Framework (MSF) for NPS allows up to 100% equity exposure.
The MSF aims to cater to different investor preferences.
Finance Minister Nirmala Sitharaman addressed NPS Diwas regarding these changes.
Fund managers can customize schemes for various employee types.
A forum is established to coordinate regulations for pension products.
- Who
- Non-government NPS subscribers
- What
- The implementation of the Multiple Scheme Framework (MSF) offering customized schemes
- When
- The Multiple Scheme Framework came into effect from Wednesday
- Where
- N/A
- Why
- To provide greater flexibility and cater to different investor preferences.
- Scheme Name
- Multiple Scheme Framework (MSF) for NPS
- Equity Exposure
- Up to 100% for private-sector subscribers
- Return (Equity Scheme)
- Over 13% annually since inception
- Return (Corporate Debt Scheme)
- Around 9% annually since inception
- Return (Government Securities Scheme)
- Around 9% annually since inception
- Forum for Regulatory Coordination
- Brings together PFRDA, EPFO, IRDAI, SEBI, and relevant ministries
