These NPS equity funds have given more than one year benchmark return of over 40%: Check details The fund will be established based on the returns generated by stocks, corporate bonds, government securities, and alternative investment funds. NPS subscribers have the choice to open two accounts. A Tier I account is necessary to join NPS. What are the differences between Tier I and Tier II accounts? NPS yields are tied to the market. The fund will be established based on the returns generated by stocks, corporate bonds, government securities, and alternative investment funds
National Pension System (NPS) is an investment cum pension scheme initiated by the Government of India to provide old age security and pension to all citizens of India. The Scheme is regulated by Pension Fund Regulatory and Development Authority (PFRDA).#sr_widget.onDemand p, #stock_pro.onDemand p{font-size: 14px;line-height: 1.28;} .onDemand .live_stock{left:17px;padding:1px 3px 1px 5px;font-size:12px;font-weight:600;line-height:18px;top:9px} #sr_widget.onDemand .sr_desc{margin:0 auto 0;} #sr_widget.onDemand .sr_desc{color: #024d99;margin-top:10px;} #sr_widget.onDemand .crypto .live_stock .lb-icon{8px 6px 5px 3px !important} #sr_widget.crypto.onDemand a.text{border-bottom:1px solid #ccc;padding-bottom:5px;display:block;width:100%} #sr_widget.onDemand .sr_desc .text p, #stock_pro.onDemand .sr_desc .text p{font-size:12px;font-weight:400;} Under NPS, Subscriber gets the option to open two accounts. A Tier I account is mandatory to open in order to join NPS. Difference between Tier I and Tier II accounts. NPS returns are market-linked. The corpus will be built based on the profits provided by equity, corporate bonds, government securities, and alternative investment funds.
Retirement planning in NPS: You can lose Rs 21 lakh in total monthly income if you buy an annuity plan worth Rs 50 lakh without comparison
NPS offers 4 funds to Subscribers - Equities (E) Corporate Bonds (C) Government Securities (G) and Alternative Investment Funds.
There are two investment options available under NPS:
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Active Choice: Subscriber gets the flexibility to choose her own asset allocation across Equity, Corporate Bonds, Government Securities and Alternative Investment Funds. Investment in Equity is restricted to 75% of Contribution amount. However, in Corporate Bonds and Government Securities Subscriber can invest 100% of Contribution amount.
Auto Choice: under this option investment across Equity, Corporate Bonds and Government Securities is done as per the age of the Subscriber as per this chart.
These NPS equity funds have given more returns than one year benchmark return of over 40%.
New NPS investment option: Opportunity to earn higher returns from equity for these investors
The scheme benchmark return of year is 41.19%
UTI PF: 44.81%Tata PF: 42.91%Max Life: 40.05%These NPS equity funds have not matched returns of one year benchmark return
SBIPF: 33.08%LICPF: 36.30%ICICI PF: 39.95%KOTAK PF: 38.41%HDFC PF: 39.39%Aditya Birla PF: 37.81%Axis PF: 39.80%
Returns of HDFC PF, Aditya Birla PF, Tata PF, Max Life PF, Axis PF, DSP PF
ParticularsHDFC PFAditya Birla PFTATA PFMAX LIFE PFAxis PFDSP PFAssets (Rs in crore)46,943.19885.111,460.33390.222,085.87274.51Scheme Inception Date1-Aug-20139-May-201719-Aug-202212-Sep-202221-Oct-202226-Dec-2023NAV30-Aug-202454.410029.233616.097514.885415.121312.661752 Week High54.410029.233616.097514.885415.121312.661752 Week Low38.631420.871311.088410.493610.68689.9113RETURNS3 Months12.16%12.87%10.81%12.47%13.48%16.96%6 Months17.96%17.43%17.83%18.67%19.07%22.43%1 Year37.67%36.78%43.71%38.81%38.54%NA2 Years23.80%23.95%27.39%NANANA3 Years16.94%17.75%NANANANA5 Years20.72%19.96%NANANANA7 Years16.04%15.47%NANANANA10 Years14.22%NANANANANASince Inception16.51%15.79%26.39%22.41%24.89%26.62%PORTFOLIOTop 5 HoldingsHDFC Bank Ltd; ICICI Bank Ltd; Reliance Industries Ltd.;
Infosys Ltd; Bharati Airtel Ltd.;Reliance Industries; ICICI Bank; HDFC Bank;
Infosys Limited; Tata Consultancy Services Limited;Reliance Industry Limited;
HDFC Bank Ltd.; ICICI Equity;
Larsen and Toubro; Infosys Technologies Limited;HDFC Bank Limited; Reliance Industries Limited;
ICICI Bank Limited; Infosys Limited; NTPC Limited;HDFC Bank Ltd; Reliance Industries Ltd;
ICICI Bank Ltd; Infosys Ltd; Larsen & Toubro Ltd;HDFC Bank Ltd; ITC Ltd;
Kotak Mahindra Bank Ltd; Bajaj Holdings & Investment Ltd;
HCL Technologies Ltd;Weigtage of
Top 5 Holdings%28.8426.5323.5926.6224.8437.66Top 3 SectorsMonetary intermediation of commercial banks, saving banks.; Manufacture of Petroleum Products;
Writing , Modifying, Testing of Computer Program.;Oil & Gas; Bank;
IT;Monetary Intermediation of Commercial Banks, Saving Banks.; Production of Liquid and Gaseous Fuels or Other Products;
Writing , Modifying, Testing of Computer Program.;Banking;
Oil and Gas; IT;Monetary Intermediation of Commercial Banks, Saving Banks.; Production of Liquid and Gaseous Fuels or Other Products;
Writing, Modifying, Testing of Computer Program.;Monetary Intermediation of Commercial Banks, Saving Banks.;
Writing , Modifying, Testing of Computer Program;
Distribution And Sale of Gaseous Fuels;* Scheme Returns for more than 01 year are annualised
Returns of SBI PF, LICPF, UTI PF, ICICI PF
ParticularsSBIPFLICPFUTIPFICICI PFKOTAK PFAssets (Rs in crore)19,603.316,130.852,732.2816,993.622,598.29Scheme Inception Date1-May-200923-Jul-201321-May-200918-May-200915-May-2009NAV30-Aug-202458.766545.760774.156874.303368.225852 Week High58.766545.760774.157074.303368.225852 Week Low42.767932.938150.443451.961548.3225RETURNS3 Months10.75%11.05%13.94%11.76%13.01%6 Months16.01%16.96%21.76%18.06%18.62%1 Year34.84%36.25%44.02%40.28%38.87%2 Years22.85%23.38%26.79%25.91%25.50%3 Years16.52%17.21%18.88%18.41%18.20%5 Years19.33%20.28%21.40%21.30%21.11%7 Years15.03%15.01%16.30%16.35%15.82%10 Years13.21%12.99%14.34%14.01%14.05%Since Inception12.24%14.67%14.00%14.01%13.37%PORTFOLIOTop 5 HoldingsReliance Industries Limited;HDFC Bank Limited; ICICI Bank Limited;. Larsen and Toubro Limited;
State Bank of India;Reliance Industries Limited;
HDFC Bank Limited; ICICI Bank Limited;. Infosys Technologies Limited;
Larsen and Toubro Limited;ICICI Bank; Reliance Industries; HDFC Bank;
Infosys Techonologies; NTPC;ICICI Bank Limited; HDFC Bank Limited; Infosys Limited; Reliance Industries Limited;
Bharti Airtel Limited;HDFC Bank Ltd ; Reliance Industries Ltd; Infosys Ltd. ; ICICI Bank Ltd.; Bharti Airtel Ltd;Weigtage of
Top 5 Holdings%27.5031.0826.3824.7629.02Top 3 SectorsMonetary intermediation of commercial banks, saving banks.; Manufacture of allopathic pharmaceutical preparations.; Writing, modifying, testing of computer program.;Monetary intermediation of banks ; Production of liquid & gaseous fuels ; Writing,modifying, test of computer program;Government Securities; State Development Loans;
Monetary intermediation of commercial banks, saving banks.;Monetary intermediation of commercial banks, saving banks. postal savings;
Other credit granting; Writing , modifying, testing of computer program;Monetary intermediation of commercial
bank s; Production of liquid and gaseous fuels.;
Writing, modifying, testing of computer program.;
* Scheme Returns for more than 01 year are annualised
Scheme benchmark return
SCHEME BENCHMARK RETURN3 month12.52%6 month18.23%1 year40.23%2 years23.92%3 years18.07%5 Years21.30%7 Years16.53%10 Years14.37%Source: NPS website; Data as on 30th September, 2024
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This story originally appeared on: India Times - Author:Faqs of Insurances
