A journey of investment is always linked to the destination of return on that investment. Wondering about the returns under the NPS schemes? You can learn more about the returns from the graph below.
NAV Chart
Return Comparison Chart
Portfolio Details of Pension Funds
Click Here : Scheme Portfolio
Schemes Under Multiple Scheme Framework MSF
| PFM | Scheme Full Name | Scheme | Equity | Corporate Bonds | Govt Securities | Alternate Assets | Short-term debt instruments/Cash and Cash Equivalents | AUM |
|---|---|---|---|---|---|---|---|---|
| Axis | NPS TRUST A/C - AXIS PF NPS GOLDEN YEARS FUND - GROWTH - TIER I | Scheme Golden Years - G - I | 65%-100% | 0%-35% | 0%-35% | 0%-5% | 0%-10% | 26790940.769 |
| Birla | NPS TRUST A/C - ABSLPF SECURE RETIREMENT EQUITY FUND - NPS - TIER I | Secure Retirement Equity - I | 90%-100% | 0%-5% | 0%-10% | 15332530.74 | ||
| Birla | NPS TRUST A/C - ABSLPF SECURE FUTURE - NPS - TIER I | Scheme Secure Future - I | 40%-65% | 35%-60% (C) | 0%-10% | 6011196.75 | ||
| DSP | NPS TRUST A/C - DSP PF NPS LONG TERM EQUITY FUND - TIER I | Scheme Long Term E-I | 0%-100% | 0%-20% | 0%-20% (C+G+A) | 0%-10% | 44477907.9 | |
| HDFC | NPS TRUST A/C - HDFC PF NPS SURAKSHIT INCOME FUND - TIER I | Scheme Surakshit Income -I | 55%-75% | 0%-30% | 0%-30% (C) , 0%-45% (G) | 0%-5% | 0%-10% | 137935171.87 |
| HDFC | NPS TRUST A/C - HDFC PF NPS EQUITY ADVANTAGE FUND - TIER I | Scheme Equity Advantage -I | 85%-100% | 0%-5% | 0%-10% | 497817822.43 | ||
| HDFC | NPS TRUST A/C - HDFC PF NPS SURAKSHIT INCOME FUND - TIER II | Scheme Surakshit Income -II | 0%-25% | 50%-100% | 50%-100% (C) , 0%-50% (G) | 0%-5% | 0%-10% | 5116343.6 |
| ICICI | NPS TRUST A/C - ICICI PF NPS DYNAMIC REALLOCATION ENHANCED ACCUMULATION MODEL PLAN (ICICI NPS DREAM) - TIER I | NPS DREAM - I | 50%-100% | 0%-50% | 0%-50% | 0%-5% | 0%-10% | 171307454 |
| ICICI | NPS TRUST A/C - ICICI NPS MY FAMILY MY FUTURE (INMFMF) - TIER I | NPS My Family - I | 50%-85% | 0%-50% | 0%-50% | 0%-5% | 0%-10% | 75635537.43 |
| KOTAK | NPS TRUST A/C - KOTAK PF NPS KUBER EQUITY FUND - TIER I | Scheme Kuber E-I | 80%-100% | 0%-10% | 80965319.024 | |||
| LIC | NPS TRUST A/C - LIC PFL NPS GROWTH PLUS- TIER I | GROWTH PLUS- TIER I | 0%-100% | 0%-5% | 0%-10% | 21136420.01 | ||
| LIC | NPS TRUST A/C - LIC PFL NPS SMART BALANCE - TIER I | Smart Balance Tier - I | 65%-85% | 15%-35% | 15%-35% | 0%-5% | 0%-10% | 17008366.21 |
| SBI | NPS TRUST A/C - SBI PF NPS AKSHAY DHARA RETIREMENT YOJANA-HAPPY RETIREMENT PLAN - TIER I | Akshay Dhara Tier - I | 25%-50% | 50%-75% | 0%-75% | 0%-5% | 0%-10% | 21637283.65 |
| SBI | NPS TRUST A/C - SBI PF NPS JEEVAN SWARNA RETIREMENT YOJANA - LIFES GOLDEN PLAN - TIER I | Jeevan Swarna Tier - I | 0%-100% | 0%-5% | 0%-10% | 70365924.9 | ||
| TATA | NPS TRUST A/C - TATA PENSION FUND NPS SMART RETIREMENT FUND - TIER I | Scheme Smart Reirement - I | 70%-100% | 0%-30% | 0%-30% (C) , 0%-30% (G) | 0%-5% | 0%-10% | 29746627 |
| UTI | NPS TRUST A/C - UTI PF DYNAMIC ASSET ALLOCATOR NPS SCHEME - TIER II | Dynamic Asset Tier - II | 40%-65% | 30%-60% (G) | 0%-5% | 0%-10% | 428966.36 | |
| UTI | NPS TRUST A/C - UTI PF DYNAMIC ASSET ALLOCATOR NPS SCHEME - TIER I | Dynamic Asset Tier - I | 40%-65% | 30%-60% (G) | 0%-5% | 0%-10% | 6726533.56 | |
| UTI | NPS TRUST A/C - UTI PF WEALTH BUILDER NPS EQUITY SCHEME - TIER II | Scheme Wealth Builder E-II | 90%-100% | 80%-100% | 0%-10% | 1219065.92 | ||
| UTI | NPS TRUST A/C - UTI PF WEALTH BUILDER NPS EQUITY SCHEME - TIER I | Scheme Wealth Builder E-I | 90%-100% | 80%-100% | 0%-10% | 60506088.95 |
FAQs
Do I earn a fixed return on NPS?
NPS does not offer any fixed returns. The returns under NPS are market-linked.
Is the withdrawal at retirement under NPS tax-free?
Lump sum withdrawal of up to 60% is exempted from tax.
Is the return calculator available only for individuals who have subscribed for NPS?
No. Anyone who wants to plan their investments for retirement can utilize the return calculator.
Note :Max Life Pension Fund Management Limited has decided to cease its operations as a Pension Fund under the National Pension System (NPS) effective from 19th April, 2025. This decision is in line with the recent brand transition of its sponsor to Axis Max Life Insurance.
Note :Scheme A has been discontinued with effect from January 16, 2026.
Disclaimer :Investments in NPS are subject to market risk.Past performance of the Schemes/Pension Funds is not in any way indicative of future performance.NPS Trust does not guarantee or assure any returns.Changes in Government policies and tax benefits may impact the future returns.