NPS Vatsalya kya hai? Yeh 18 saal se kam umra ke bachchon ke liye banai gayi sarkari pension yojana hai, jise PFRDA chalata hai. Mata-pita ya abhibhavak bachche ke naam par khata kholkar uske budhape ki pension ki neev bachpan se rakh sakte hain — sirf ₹250 se shuruat hoti hai. Yojana 18 September 2024 ko shuru hui thi, aur January 2026 me iske naye nirdesh (Guidelines 2025) jaari hue hain.
NPS Vatsalya Kya Hai Aur Kaun Khol Sakta Hai?
NPS Vatsalya National Pension System ka hissa hai, keval nabaligon ke liye. (Vayaskon ke liye Atal Pension Yojana hai.) Khata bachche ke naam par khulta hai, lekin 18 saal tak use mata-pita ya kanooni abhibhavak chalate hain.
- 18 saal se kam umra ka Bharatiya nagrik (NRI/OCI bachche bhi)
- Bachcha hi ekmatra labharthi hota hai
- Rishtedar aur dost bhi khate me yogdan (gift) kar sakte hain
NPS Vatsalya Me Kitna Jama Karna Hota Hai?
- Khata kholte samay: nyuntam ₹250
- Har vitt varsh me: nyuntam ₹250
- Adhiktam: koi seema nahi
- Returns market-linked hain (fixed byaaj nahi) — paisa PFRDA se registered pension fund me lagta hai. Nivesh ke vikalp: Default (LC-50, 50% equity), Auto (LC-75/LC-50/LC-25), ya Active choice jisme abhibhavak khud equity/debt ka anupat tay kar sakte hain.
Nikasi Aur 18 Saal Ke Baad Kya Hota Hai?
- 3 saal poore hone ke baad padhai, ilaj ya vishesh paristhitiyon ke liye apne yogdan ka 25% tak nikala ja sakta hai (returns par nahi)
- 18 saal se pehle do baar aur 18–21 ke beech do baar nikasi ki anumati
- 18 saal par nayi KYC ke baad khata aam NPS Tier-I khate me badal jata hai; chahein to 21 saal tak Vatsalya me bhi chala sakte hain
- Bahar nikalne par ₹8 lakh tak ka corpus poora nikala ja sakta hai
NPS Vatsalya Me Tax Ka Fayda
Mata-pita/abhibhavak apne yogdan par dhaara 80CCD(1B) ke tahat ₹50,000 tak ki extra deduction le sakte hain (old tax regime me, 80C ki ₹1.5 lakh seema ke upar). Yeh un mata-pita ke liye khaas faydemand hai jo pehle se 80C ki seema poori kar chuke hain.
NPS Vatsalya vs Sukanya Samriddhi Yojana
Dono bachchon ke liye hain, lekin alag uddeshya ke:
- SSY: keval beti ke liye, fixed 8.2% byaaj, EEE tax status — suraksha pehle
- NPS Vatsalya: bete-beti dono ke liye, market-linked returns, pension par focus — lambe samay me zyada badhne ki sambhavna, lekin jokhim bhi. Dono ko saath bhi chalaya ja sakta hai — ek suraksha ke liye, ek growth ke liye.
NPS Vatsalya Khata Kaise Kholein? (Steps)
- PFRDA se registered kisi bhi bank, post office ya NPS point-of-presence par jayein (kuch online vikalp bhi uplabdh hain)
- Bachche ka janm pramaan patra, abhibhavak ka Aadhaar/PAN aur photo dein
- Nyuntam ₹250 jama karke khata kholein aur pension fund chunein
- PRAN (Permanent Retirement Account Number) milne par use surakshit rakhein
Aadhikarik Srot
- pfrda.org.in — NPS Vatsalya official page
- PIB press release, 13 January 2026 — NPS Vatsalya Scheme Guidelines 2025
Yeh sirf jaankari hai, financial advice nahi hai. Returns market-linked hain aur guarantee nahi hai — nivesh se pehle PFRDA ki official jaankari zaroor padhein.