NPS Funds Vary 4%: Are You in the Wrong Scheme?
Not all NPS funds perform the same. Picking a consistent, low-risk fund over a high-volatility one can meaningfully grow your retirement corpus. Here is how to check if your NPS fund is actually working for you.
The gap between best and worst NPS fund can cost you more than 6 months of chai money over 20 years.
Your NPS contribution can save you this much in taxes annually
Key Takeaways
Log in to your NPS account on the CRA portal (cra-nsdl.com or karvy) and check your fund manager's 3-year and 5-year returns against the benchmark.
Compare Tier-I equity (E), corporate bond (C), and government securities (G) returns across all 10 registered NPS fund managers before your next annual review.
If your fund consistently underperforms its benchmark for 2+ years, initiate a free fund manager switch — takes under 10 minutes online via CRA portal.
Not all NPS funds perform the same. Picking a consistent, low-risk fund over a high-volatility one can meaningfully grow your retirement corpus. Here is how to check if your NPS fund is actually working for you.
Here's what happened: NPS fund performance varies significantly across fund managers — some consistently beat benchmarks while others trail by 2-4% annually.. Subscribers rarely review their NPS fund choice after enrollment, leaving crores in underperforming schemes for decades.. NPS allows one free fund manager switch and one scheme preference change per year — a rule most subscribers don't know exists..
What you should do: Log in to your NPS account on the CRA portal (cra-nsdl.com or karvy) and check your fund manager's 3-year and 5-year returns against the benchmark.. Compare Tier-I equity (E), corporate bond (C), and government securities (G) returns across all 10 registered NPS fund managers before your next annual review.. If your fund consistently underperforms its benchmark for 2+ years, initiate a free fund manager switch — takes under 10 minutes online via CRA portal..
Under Section 80CCD(1B), you get an extra ₹50,000 deduction on top of the ₹1.5 lakh 80C limit — most salaried employees leave this tax saving completely unclaimed every year.
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- [1]“National Pension Scheme Fund Screener July 2026: Shortlist consistent performers” freefincal · 6 Jul 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.