Table of Contents
NPS, ज्याला राष्ट्रीय पेन्शन योजना म्हणूनही ओळखले जाते, पेन्शन फंड नियामक आणि विकास प्राधिकरण (PFRDA) द्वारे नियंत्रित केले जाते. नॅशनल पेन्शन स्कीम ही एक स्वैच्छिक योगदान योजना आहे ज्याचा उद्देश केंद्र सरकारने तयार केला आहे.सेवानिवृत्ती उत्पन्न भारतातील नागरिकांना.
NPS योजनेचे लक्ष्य पेन्शन सुधारणा प्रस्थापित करणे आणि लोकांमध्ये सेवानिवृत्तीसाठी बचत करण्याची सवय लावणे हे आहे. नॅशनल पेन्शन स्कीम किंवा NPS अंतर्गत, तुम्ही वैयक्तिक सेवानिवृत्ती खाते उघडू शकता ज्यामध्ये पेन्शन कॉर्पस कार्यरत जीवनादरम्यान जतन केला जाऊ शकतो. NPS योजना सर्वांसाठी खुली आहे परंतु सर्व सरकारी कर्मचाऱ्यांसाठी अनिवार्य आहे.
NPS योजना लोकांच्या निवृत्तीनंतरच्या गरजा पूर्ण करण्यासाठी खास तयार करण्यात आली आहे. पेन्शन योजना वृद्धापकाळात आर्थिक स्थिरता आणि सुरक्षितता सुनिश्चित करतात जेव्हा लोकांचे सहसा नियमित उत्पन्न नसते.
नॅशनल पेन्शन स्कीम किंवा NPS ही अशी योजना आहे जी आम्हाला पैसे गुंतवण्याची संधी देते आणि योगदान वर्षानुवर्षे वाढू देते, ज्यामुळे चांगला NPS परतावा मिळतो. निवृत्तीनंतर, तुम्ही तुमच्या कुटुंबाच्या गरजा आणि खर्च व्यवस्थापित करण्यासाठी या बचतीचा वापर करू शकता.
तुम्ही जमा झालेल्या पेन्शन संपत्तीचा वापर आयुष्य खरेदी करण्यासाठी देखील करू शकतावार्षिकी कोणत्याही जीवनातील उत्पादनविमा कंपन्या भारतात. किंवा तुम्ही तुमचा काही भाग काढून घेऊ शकताकमाई तुमच्या वयानुसार, एकरकमी.
दोन प्रकारची पेन्शन खाती ऑफर केली जातात. यात समाविष्ट-
NPS टियर I - हे पेन्शन खाते आहे ज्यात पैसे काढण्यावर बंधने आहेत.
NPS टियर II - हे एकबचत खाते जे आर्थिक आकस्मिक परिस्थिती पूर्ण करण्यासाठी काढता येण्याजोगे आहे. एनपीएस टियर II खाते उघडण्यासाठी सक्रिय टियर I खाते अनिवार्य आहे.
पॉइंट्स ऑफ प्रेझेन्स (पीओपी) द्वारे राष्ट्रीय पेन्शन योजनेत गुंतवणूक करता येते. गुंतवणूक 3 प्रकारच्या पोर्टफोलिओमध्ये वाटप केली जाऊ शकते:
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INR 50 पर्यंतची गुंतवणूक,000 कलम 80 CCD (1B) अंतर्गत कपातीसाठी जबाबदार आहेत. INR 1,50,000 पर्यंतची अतिरिक्त गुंतवणूक कर आहेवजावट अंतर्गतकलम 80C याआयकर कायदा. त्यामुळे, उच्च कर बचत पर्याय शोधत असलेले गुंतवणूकदार एनपीएसमध्ये गुंतवणूक करू शकतात.
एनपीएस योजनेचे आणखी एक फायदेशीर वैशिष्ट्य म्हणजे गुंतवणुकीचे इक्विटी, निश्चित परतावा साधने आणि सरकार यासह तीन प्रकारच्या मालमत्तेमध्ये विविधता आणली जाऊ शकते.बंध. अशा प्रकारे, गुंतवणूकदारांना त्यांच्या पसंतीच्या आधारावर मालमत्तेचे वाटप निवडण्याची संधी आहे आणिजोखीम भूक. तथापि, इक्विटी गुंतवणुकीची कमाल मर्यादा ५०% आहे.
एनपीएस योजनेत गुंतवणूक करण्यासाठी किमान रक्कम INR 6,000 वार्षिक आहे. म्हणून, ज्यांची वार्षिक बचत INR 6,000 इतकी कमी आहे ते या योजनेत सहज गुंतवणूक करू शकतात. तसेच, निधी हाताळणाऱ्या निधी व्यवस्थापकांकडून आकारले जाणारे शुल्क कमी आहे, कारण ही सरकार-समर्थित योजना आहे.
NPS अंतर्गत येणारे फंड अनुभवी फंड व्यवस्थापकांद्वारे व्यवस्थापित केले जातात जे फंडांचे उत्तम गुंतवणूक व्यवस्थापन सुनिश्चित करतात ज्यामुळे चांगला NPS परतावा मिळतो.
2017 च्या अर्थसंकल्पात खालील तरतुदी करण्यात आल्या आहेत:
जर एखाद्या ग्राहकाला वयाच्या 60 वर्षापूर्वी/किंवा निवृत्तीपूर्वी योजनेतून पैसे काढायचे असतील (आंशिक पैसे काढण्यासाठी निर्दिष्ट केलेल्या उद्देशाव्यतिरिक्त), काढलेली रक्कम करपात्र असणार नाही. तथापि, काढता येणारा निधी संचित संपत्तीच्या केवळ 20 टक्के इतकाच मर्यादित आहे. आणि जमा झालेल्या संपत्तीच्या उर्वरित 80 टक्के रक्कम ग्राहकांना मासिक पेन्शन प्रदान करण्यासाठी वार्षिकी खरेदीसाठी वापरावी लागेल. अशा परिस्थितीत, वार्षिक उत्पन्न हे वर्षभरात करपात्र असेलपावती वापरकर्त्याला लागू असलेल्या आयकर स्लॅब दरानुसार.
2017-18 च्या अर्थसंकल्पात, सरकारने आयकरातून सूट मिळालेल्या ग्राहकाने केलेल्या योगदानाच्या 25 टक्के अंशतः पैसे काढण्याची परवानगी दिली होती.
तथापि, ही सूट सध्या गैर-कर्मचारी सदस्यांसाठी उपलब्ध नाही. परंतु, अर्थसंकल्प 2018 नुसार, अर्थमंत्री अरुण जेटली यांनी NPS मधून करमुक्त पैसे काढण्याचे फायदे गैर-कर्मचारी सदस्यांना देखील वाढवण्याचा प्रस्ताव दिला आहे. गैर-कर्मचारी सदस्य त्यांच्या मॅच्युरिटी कॉर्पसच्या 40 टक्के पर्यंत करमुक्त पैसे काढू शकतात.NPS खाते.नवीन नियम 1 एप्रिल 2019 पासून लागू होणार आहे.
निवृत्तीच्या वेळी, जमा केलेली संपत्ती 40 टक्क्यांपर्यंत काढल्यास करमुक्त आहे. तथापि, निवृत्तीच्या वेळी तुम्ही काढू शकणारा कमाल निधी ६० टक्के (संचित संपत्तीचा) आहे आणि शिल्लक, म्हणजे ४० टक्के रक्कम ग्राहकाला मासिक पेन्शन प्रदान करणाऱ्या वार्षिकी खरेदीसाठी वापरणे आवश्यक आहे.
सबस्क्राइबरचा मृत्यू झाल्यास काढलेला कॉर्पस करमुक्त असेल. संपूर्ण संचित संपत्ती वापरकर्त्याच्या कायदेशीर नॉमिनीला दिली जाईल. मात्र, सरकारी कर्मचाऱ्यांच्या बाबतीत संपूर्ण रक्कम काढता येत नाही. नॉमिनीने अॅन्युइटी प्लॅनची खरेदी करणे अनिवार्य आहे.
NPS खात्यातील एकूण रक्कम निवृत्तीच्या तारखेपर्यंत किंवा वयाच्या ६० व्या वर्षी INR 2 लाखांपेक्षा कमी असल्यास, ग्राहक (स्वावलंबन वापरकर्त्यांशिवाय) पूर्ण पैसे काढण्याच्या पर्यायाचा लाभ घेऊ शकतात.
To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Tata Retirement Savings Fund-Moderate is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a Below is the key information for Tata Retirement Savings Fund-Moderate Returns up to 1 year are on To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Tata Retirement Savings Fund - Progressive is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a Below is the key information for Tata Retirement Savings Fund - Progressive Returns up to 1 year are on To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Tata Retirement Savings Fund - Conservative is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a Below is the key information for Tata Retirement Savings Fund - Conservative Returns up to 1 year are on The investment objective of the Investment Plans offered under the Scheme is to generate a corpus to provide for pension to an investor in the form of income to the extent of the redemption value of their holding after the age of 60 years by investing in a mix of securities comprising of equity, equity related instruments and/or Debt/Money Market Instruments. HDFC Retirement Savings Fund - Equity Plan is a Solutions - Retirement Fund fund was launched on 25 Feb 16. It is a fund with Moderately High risk and has given a Below is the key information for HDFC Retirement Savings Fund - Equity Plan Returns up to 1 year are on The investment objective of the Investment Plans offered under the Scheme is to generate a corpus to provide for pension to an investor in the form of income to the extent of the redemption value of their holding after the age of 60 years by investing in a mix of securities comprising of equity, equity related instruments and/or Debt/Money Market Instruments. HDFC Retirement Savings Fund - Hybrid - Debt Plan is a Solutions - Retirement Fund fund was launched on 25 Feb 16. It is a fund with Moderately High risk and has given a Below is the key information for HDFC Retirement Savings Fund - Hybrid - Debt Plan Returns up to 1 year are on 1. Tata Retirement Savings Fund-Moderate
CAGR/Annualized
return of 14.7% since its launch. Ranked 2 in Retirement Fund
category. Return for 2023 was 25.3% , 2022 was -1.9% and 2021 was 20.5% . Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (10 May 24) ₹55.5502 ↑ 0.55 (1.00 %) Net Assets (Cr) ₹1,918 on 31 Mar 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.91 Sharpe Ratio 2.44 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹9,340 30 Apr 21 ₹12,439 30 Apr 22 ₹13,747 30 Apr 23 ₹14,271 30 Apr 24 ₹18,777 Returns for Tata Retirement Savings Fund-Moderate
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 10 May 24 Duration Returns 1 Month -0.7% 3 Month 4.1% 6 Month 12% 1 Year 27.3% 3 Year 13.9% 5 Year 13.7% 10 Year 15 Year Since launch 14.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 25.3% 2022 -1.9% 2021 20.5% 2020 15.1% 2019 8.6% 2018 -3.6% 2017 38.8% 2016 6.7% 2015 7.7% 2014 55.1% Fund Manager information for Tata Retirement Savings Fund-Moderate
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.01 Yr. Sonam Udasi 1 Apr 16 8.01 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 7.3% Equity 81.3% Debt 11.4% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK5% ₹98 Cr 676,500
↓ -84,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE4% ₹81 Cr 271,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC4% ₹68 Cr 1,576,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK3% ₹62 Cr 570,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS3% ₹55 Cr 63,100
↓ -10,460 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS3% ₹54 Cr 140,564 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | 5324972% ₹47 Cr 274,500 APL Apollo Tubes Ltd (Basic Materials)
Equity, Since 30 Sep 22 | 5337582% ₹45 Cr 303,900 Jupiter Wagons Ltd (Industrials)
Equity, Since 31 May 23 | 5332722% ₹45 Cr 1,196,999
↓ -104,000 Tata Consumer Products Ltd (Consumer Defensive)
Equity, Since 30 Sep 19 | 5008002% ₹37 Cr 342,000 2. Tata Retirement Savings Fund - Progressive
CAGR/Annualized
return of 14.9% since its launch. Ranked 6 in Retirement Fund
category. Return for 2023 was 29% , 2022 was -3.9% and 2021 was 23.3% . Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (10 May 24) ₹56.7536 ↑ 0.69 (1.23 %) Net Assets (Cr) ₹1,750 on 31 Mar 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.01 Sharpe Ratio 2.59 Information Ratio -0.98 Alpha Ratio 2.82 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹9,266 30 Apr 21 ₹12,745 30 Apr 22 ₹14,072 30 Apr 23 ₹14,460 30 Apr 24 ₹19,926 Returns for Tata Retirement Savings Fund - Progressive
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 10 May 24 Duration Returns 1 Month -0.5% 3 Month 5.3% 6 Month 14.6% 1 Year 32.9% 3 Year 15.2% 5 Year 15.2% 10 Year 15 Year Since launch 14.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 29% 2022 -3.9% 2021 23.3% 2020 14.4% 2019 11.5% 2018 -6.1% 2017 49.1% 2016 3.1% 2015 7.8% 2014 47.4% Fund Manager information for Tata Retirement Savings Fund - Progressive
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.01 Yr. Sonam Udasi 1 Apr 16 8.01 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 5.95% Equity 94.05% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK6% ₹103 Cr 711,000
↓ -90,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE5% ₹85 Cr 287,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK4% ₹66 Cr 607,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC4% ₹66 Cr 1,545,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS3% ₹59 Cr 67,455
↓ -11,560 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS3% ₹54 Cr 139,589 Jupiter Wagons Ltd (Industrials)
Equity, Since 31 May 23 | 5332723% ₹48 Cr 1,281,538
↓ -96,000 APL Apollo Tubes Ltd (Basic Materials)
Equity, Since 30 Sep 22 | 5337583% ₹48 Cr 318,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | 5324973% ₹44 Cr 254,600 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433202% ₹39 Cr 2,115,000
↑ 2,115,000 3. Tata Retirement Savings Fund - Conservative
CAGR/Annualized
return of 8.8% since its launch. Ranked 7 in Retirement Fund
category. Return for 2023 was 12.1% , 2022 was 0.1% and 2021 was 7.6% . Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (10 May 24) ₹28.8163 ↑ 0.12 (0.41 %) Net Assets (Cr) ₹168 on 31 Mar 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.99 Sharpe Ratio 1.93 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,455 30 Apr 21 ₹11,892 30 Apr 22 ₹12,413 30 Apr 23 ₹12,841 30 Apr 24 ₹14,605 Returns for Tata Retirement Savings Fund - Conservative
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 10 May 24 Duration Returns 1 Month 0% 3 Month 2.3% 6 Month 6.4% 1 Year 12.6% 3 Year 6.9% 5 Year 8% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 12.1% 2022 0.1% 2021 7.6% 2020 11.8% 2019 7.6% 2018 0.8% 2017 15.1% 2016 10.6% 2015 6.4% 2014 20.6% Fund Manager information for Tata Retirement Savings Fund - Conservative
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.01 Yr. Sonam Udasi 1 Apr 16 8.01 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 13.23% Equity 29.17% Debt 57.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.36% Govt Stock 2052
Sovereign Bonds | -6% ₹10 Cr 1,000,000 7.27% Govt Stock 2026
Sovereign Bonds | -6% ₹10 Cr 1,000,000 Power Finance Corporation Limited
Debentures | -6% ₹10 Cr 100 Bajaj Housing Finance Limited
Debentures | -6% ₹10 Cr 100 Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹10 Cr 100 Varanasi Sangam Expressway Private Limited
Debentures | -4% ₹7 Cr 80 8.24% Govt Stock 2027
Sovereign Bonds | -3% ₹5 Cr 500,000 8.2% Govt Stock 2025
Sovereign Bonds | -3% ₹5 Cr 500,000 4. HDFC Retirement Savings Fund - Equity Plan
CAGR/Annualized
return of 19.9% since its launch. Return for 2023 was 32.6% , 2022 was 8.6% and 2021 was 42.5% . HDFC Retirement Savings Fund - Equity Plan
Growth Launch Date 25 Feb 16 NAV (10 May 24) ₹44.251 ↑ 0.18 (0.40 %) Net Assets (Cr) ₹4,830 on 31 Mar 24 Category Solutions - Retirement Fund AMC HDFC Asset Management Company Limited Rating Risk Moderately High Expense Ratio 2.09 Sharpe Ratio 3 Information Ratio 1.12 Alpha Ratio 4.03 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹8,416 30 Apr 21 ₹13,480 30 Apr 22 ₹17,040 30 Apr 23 ₹19,270 30 Apr 24 ₹26,689 Returns for HDFC Retirement Savings Fund - Equity Plan
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 10 May 24 Duration Returns 1 Month -1.8% 3 Month 3% 6 Month 17.2% 1 Year 33.1% 3 Year 23.5% 5 Year 22% 10 Year 15 Year Since launch 19.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 32.6% 2022 8.6% 2021 42.5% 2020 18.3% 2019 5.2% 2018 -6% 2017 37.7% 2016 2015 2014 Fund Manager information for HDFC Retirement Savings Fund - Equity Plan
Name Since Tenure Shobhit Mehrotra 25 Feb 16 8.1 Yr. Srinivasan Ramamurthy 14 Dec 21 2.3 Yr. Dhruv Muchhal 22 Jun 23 0.78 Yr. Data below for HDFC Retirement Savings Fund - Equity Plan as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 9.26% Equity 89.75% Debt 1% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 16 | ICICIBANK7% ₹328 Cr 3,000,000
↑ 100,000 HDFC Bank Ltd (Financial Services)
Equity, Since 29 Feb 16 | HDFCBANK7% ₹319 Cr 2,200,000
↑ 200,000 Reliance Industries Ltd (Energy)
Equity, Since 29 Feb 16 | RELIANCE3% ₹155 Cr 520,000 State Bank of India (Financial Services)
Equity, Since 29 Feb 16 | SBIN3% ₹150 Cr 2,000,000 Infosys Ltd (Technology)
Equity, Since 29 Feb 16 | INFY3% ₹142 Cr 950,000 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 31 Jul 23 | 5329773% ₹136 Cr 148,148
↓ -1,852 Bharti Airtel Ltd (Communication Services)
Equity, Since 28 Feb 22 | BHARTIARTL3% ₹135 Cr 1,100,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 16 | LT3% ₹129 Cr 343,031 Axis Bank Ltd (Financial Services)
Equity, Since 29 Feb 16 | 5322153% ₹126 Cr 1,200,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Mar 20 | ITC2% ₹111 Cr 2,600,000
↑ 100,000 5. HDFC Retirement Savings Fund - Hybrid - Debt Plan
CAGR/Annualized
return of 8.6% since its launch. Return for 2023 was 11.2% , 2022 was 3.7% and 2021 was 8.7% . HDFC Retirement Savings Fund - Hybrid - Debt Plan
Growth Launch Date 25 Feb 16 NAV (10 May 24) ₹19.6865 ↑ 0.04 (0.18 %) Net Assets (Cr) ₹156 on 31 Mar 24 Category Solutions - Retirement Fund AMC HDFC Asset Management Company Limited Rating Risk Moderately High Expense Ratio 2.2 Sharpe Ratio 1.98 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,337 30 Apr 21 ₹11,885 30 Apr 22 ₹12,519 30 Apr 23 ₹13,462 30 Apr 24 ₹15,155 Returns for HDFC Retirement Savings Fund - Hybrid - Debt Plan
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 10 May 24 Duration Returns 1 Month 0% 3 Month 1.7% 6 Month 6.7% 1 Year 11.5% 3 Year 8.2% 5 Year 8.7% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 11.2% 2022 3.7% 2021 8.7% 2020 10.4% 2019 7.6% 2018 0.7% 2017 12.4% 2016 2015 2014 Fund Manager information for HDFC Retirement Savings Fund - Hybrid - Debt Plan
Name Since Tenure Shobhit Mehrotra 26 Feb 16 8.1 Yr. Srinivasan Ramamurthy 14 Dec 21 2.3 Yr. Dhruv Muchhal 22 Jun 23 0.78 Yr. Data below for HDFC Retirement Savings Fund - Hybrid - Debt Plan as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 12.05% Equity 41.1% Debt 46.85% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.67% Govt Stock 2050
Sovereign Bonds | -9% ₹14 Cr 1,500,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 15 May 22 | TCS8% ₹13 Cr 32,977 Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 15 Mar 22 | 5001248% ₹13 Cr 21,500 Mahindra Rural Housing Finance Limited
Debentures | -6% ₹10 Cr 100 Tmf Holdings Limited
Debentures | -6% ₹10 Cr 100 6.19% Govt Stock 2034
Sovereign Bonds | -6% ₹9 Cr 1,000,000 7.57% Govt Stock 2033
Sovereign Bonds | -5% ₹8 Cr 750,000 8.97% Govt Stock 2030
Sovereign Bonds | -4% ₹6 Cr 550,000 Indian Railway Finance Corporation Limited
Debentures | -3% ₹5 Cr 50 7.5% Govt Stock 2034
Sovereign Bonds | -3% ₹5 Cr 500,000
फायद्यांनंतर, NPS ची गणना कशी करायची ते जाणून घेऊ.
येथे एक उदाहरण आहे -
पॅरामीटर | ओळखपत्रे |
---|---|
वर्षांमध्ये वय | 20 |
मासिक योगदान | INR 1,000 |
गुंतवणूकीची एकूण वर्षे | 40 वर्षे |
अपेक्षितगुंतवणुकीवर परतावा | 10% |
एकूण पेन्शन संपत्ती | INR ६३.७६.७८१ |
वार्षिकीमध्ये पुनर्गुंतवणूक केलेल्या कॉर्पसची टक्केवारी | ६०% |
वार्षिकी योजनेच्या खरेदीसाठी रक्कम | INR 38,23,069 |
अपेक्षित वार्षिकी दर | ६% |
मासिक पेन्शन | INR 19, 131 |
परिपक्वतेवर पैसे काढणे | 25, 50,172 रुपये |
अधिक चांगल्या प्रकारे समजून घेण्यासाठी खाली दिलेले सेवानिवृत्ती कॅल्क्युलेटर वापरा-
Know Your Monthly SIP Amount
त्यामुळे, तुमच्या वाढत्या वर्षांमध्ये तुमच्या राहणीमानाशी तडजोड करू नका, राष्ट्रीय पेन्शन योजनेत (NPS) गुंतवणूक करा.