The National Pension Scheme (NPS) is a government-backed voluntary retirement savings scheme regulated by the Pension Fund Regulatory and Development Authority (PFRDA). It is designed to encourage citizens to invest regularly in a pension account during their working life, helping build a retirement corpus.
Eligibility: Indian citizens (resident and non-resident) aged between 18 to 70 years.
Account Types:
Investment Choices: Choose between Auto or Active allocation across Equity (E), Corporate Bonds (C), and Government Securities (G).
Tax Benefits: Up to ₹1.5 lakh under Section 80CCD(1) (within 80C limit).
Additional deduction of ₹50,000 under Section 80CCD(1B).
Withdrawals: Partial withdrawals allowed under specific conditions.
At retirement, 60% can be withdrawn tax-free as a lump sum; the remaining 40% must be used to purchase an annuity.
The National Pension Scheme (NPS) is a government-backed voluntary retirement savings scheme regulated by the Pension Fund Regulatory and Development Authority (PFRDA). It is designed to encourage citizens to invest regularly in a pension account during their working life, helping build a retirement corpus.
Eligibility: Indian citizens (resident and non-resident) aged between 18 to 70 years.
Account Types:
Investment Choices: Choose between Auto or Active allocation across Equity (E), Corporate Bonds (C), and Government Securities (G).
Tax Benefits: Up to ₹1.5 lakh under Section 80CCD(1) (within 80C limit).
Additional deduction of ₹50,000 under Section 80CCD(1B).
Withdrawals: Partial withdrawals allowed under specific conditions.
At retirement, 60% can be withdrawn tax-free as a lump sum; the remaining 40% must be used to purchase an annuity.
Premium AIFs for Ultra-High-Net-Worth Individuals
For our ultra-HNI clients, we offer access to handpicked Alternative Investment Funds (AIFs) that provide sophisticated investment strategies and the potential for exceptional returns.
Steady Growth with Stability
At DHM Finserv, we understand that every investor’s portfolio needs a balanced approach. Bonds and Non-Convertible Debentures (NCDs) offer a reliable option for those seeking stable returns with lower risk.
NPS Disclaimer
AIF Disclaimer:
NCD Bonds Disclaimer:
“Investments in Non-Convertible Debentures (NCDs) are subject to credit risk, interest rate risk, and liquidity risk. Investors should assess their risk appetite before investing. Past performance is not indicative of future results. DHM Finserv is not liable for any investment decisions made based on this information. Please consult a financial advisor before investing.”
If you’re considering investment options or have queries, we encourage you to connect with us — allow us the opportunity to assist you before you invest elsewhere.
© DHM Finserv
DHM Finserv is a brand name used for financial distribution and related services. All products and services including Mutual Funds, Insurance, Equities, AIFs, PMS, NPS, and Fixed Deposits are offered through the individual licenses and registrations of Mr. Harshit Zaveri and others, who is duly registered with relevant regulatory authorities such as AMFI (ARN-317068), IRDAI (11618388), Aakash Jajoo SEBI Code (INH000015312), and Harshit Zaveri AP Code : NSE Cash Segment: AP1675072841, NSE F&O Segment: AP1675072841, BSE Cash Segment: AP01027501170395, UTIPFL NPS Distributor Code – UTIPFLPA1906 (Harshit Zaveri). Tata AIA Insurance – Agency Code 9514174 (Harshit Zaveri).
DHM Finserv is not a SEBI/IRDAI/PFRDA registered entity. Investors are advised to read all scheme-related documents and disclosures carefully before investing. Mutual Fund investments are subject to market risks. Insurance is subject to terms and conditions of the insurer. No guaranteed returns are promised under any product.
You are an investor who is comfortable with a high volatility and high level of risk in order to achieve relatively higher returns over long term. Your objective is to accumulate assets over long term by primarily investing in growth assets. As an aggressive investor, you might expect your portfolio to be allocated up to 75% in growth assets and an allocation to gold.
You are an investor who would like to invest in both income and growth assets. You will be comfortable with calculated risks to achieve good returns, however, you require an investment strategy that adequately deals with the effects of inflation and tax. As a moderate investor, you might expect your portfolio to be allocated
approximately 45% in growth assets, with the remainder in defensive assets and an allocation to gold.
You are an investor who has expectations of low to moderate kind of returns with lower levels of risk in order to preserve your capital. As a conservative investor, you might expect your portfolio to be allocated approximately 15% in growth assets, with the remainder in defensive assets and an allocation to gold.
