NPS is India's most tax-efficient retirement vehicle. With our expert advisory, we help you choose the right Pension Fund Manager, asset allocation, and tier — so you retire with a corpus that lasts.
80C (₹1.5L) + 80CCD(1B) additional ₹50,000 deduction
8–12% avg historical returns via equity & debt mix
Government-backed, safe & portable across jobs
Guaranteed annuity income post-retirement for you
From one-time setup to ongoing support — pick what fits your retirement journey.
Wealth creation means nothing without protection. We analyse your life stage, liabilities, and dependents — and recommend only what you truly need. No unnecessary products, no hidden commissions.
Pure protection plan that pays your family a lump sum if something happens to you. We compare 20+ insurers to get you ₹1 Cr+ cover at the most affordable premium.
Hospitalisation costs are rising 12% per year. We help you choose the right family floater or individual plan with the right sum insured and no claim traps.
Already have policies? We review your entire insurance portfolio — identify gaps, overlapping covers, and policies you are overpaying for — then suggest actionable changes.
Our flagship protection bundle — combining NPS retirement planning, term life cover, and health insurance into one integrated financial safety net for your family.
Insurance is not an investment — it is pure protection. We separate insurance from investment, so you get maximum cover at minimum cost, and invest the savings more productively in mutual funds or NPS.
A transparent, 4-step journey from confusion to complete financial protection.
We start with a free 15-minute call to understand your age, income, family, and existing policies.
We calculate your exact insurance cover requirement, NPS corpus target, and tax-saving opportunity.
1-on-1 video session where we walk you through specific NPS fund choices and insurer comparisons.
Receive a clear written plan with exact NPS contribution amounts, recommended term cover & health plan.
Everything you need to know before getting started.
The National Pension System (NPS) is a PFRDA-regulated retirement savings scheme. It is ideal for anyone aged 18–60 who wants to build a retirement corpus with tax benefits. It is especially useful for self-employed professionals and private-sector employees who do not have a defined pension.
You can save tax on up to ₹2 lakh per year via NPS — ₹1.5L under Section 80C and an additional exclusive ₹50,000 under Section 80CCD(1B). At a 30% tax bracket, this means ₹60,000+ annual tax savings.
Partial withdrawal is allowed after 3 years for specific purposes like children's education, home purchase, or medical emergencies (up to 25% of your own contribution). Full withdrawal at 60 allows 60% as tax-free lump sum and the remaining 40% must be used to purchase an annuity.
Tier I is the mandatory pension account with lock-in until age 60 but provides full tax benefits. Tier II is a voluntary savings account with no lock-in but no tax deduction (except for government employees). We advise on how to use both optimally for your situation.
Yes — employer group cover is typically only 3–5x salary, which is far below the recommended 10–15x. If you change jobs, the cover lapses. A personal term plan ensures your family is protected regardless of your employment status.
Absolutely. Employer health cover is often limited (₹3–5L), covers only during employment, and excludes pre-existing conditions after switching jobs. A personal health plan with a super top-up ensures continuity and adequate coverage as medical costs rise.
Yes. We charge a flat advisory fee for our recommendation session. We do not earn commissions from any insurance company. Your premium goes directly to the insurer — we are purely your unbiased advisor.
MF Advisory + NPS Planning + Insurance Protection. Let us build your 360° wealth and protection plan.
🔒 AMFI Registered · ARN 273050 · All investments subject to market risks · Insurance subject to policy terms