NPS Hacks, New Tax Regime & Retirement Plan in India | Neil Borate X Ranbheer Singh Dhariwal

"There are NPS hacks you may not know about." 70% of Indian taxpayers have already shifted to the new tax regime — and NPS remains the only investment instrument where you can still avail tax benefits under it. Most people also don't know that in NPS, you can have only employer contribution — unlike EPF, where matching contributions are mandatory. That means zero personal outflow, while your tax-free income can go up from ₹12 lakhs to ₹13.5 lakhs. "For a smart employee who has adopted NPS — from ₹100, 25% upfront tax saving is helping that person take that advantage." In this episode of Pension Pe Charcha, Ranbheer Singh Dhariwal — Principal Officer & Group Head, Social Security and Welfare at Protean eGov Technologies sits down with financial educator Neil Borate — for the most comprehensive NPS conversation you'll find anywhere. Ranbheer has been associated with NPS for nearly a decade, opened his own NPS account in 2009 as an early adopter, and has not missed a single monthly contribution since. "Not a single year have I missed contributing to NPS every month." In this episode, they cover: → Why NPS is the only tax-saving instrument available under the new tax regime → Employer-only NPS contribution — what it is, who benefits, and how to ask your HR → NPS hacks most investors and financial advisors have never heard of → How to switch jobs without losing your NPS — the PRAN migration process explained → Partial withdrawals — 25% of your own contribution, tax-free, in T+2 days, via the mobile app → NPS Vatsalya — how parents can build a corpus for their child, with 80% withdrawable tax-free at age 18 → MSF (Market-Linked Savings Fund) — 100% equity exposure, 30 basis points cost, withdrawal flexibility after 15 years → Tax-free rebalancing — switch between equity and debt with zero charges, anytime, from your phone → Withdrawal at 60 — the 60-40 rule, the new 80% option, SWP, and annuity explained → Annuity vs FD — why the comparison is flawed, and why 97% of people choose return of purchase price → Legacy planning with NPS — corpus passed to nominees is completely tax-free, no capital gains → What FIRE (Financial Independence, Retire Early) looks like with NPS — start at 30, retire at 45 → Why "recent reforms have killed all the objections" — the 3 biggest NPS objections, answered → How Protean as CRA powers the entire NPS ecosystem — and what's coming next (WhatsApp servicing, AI chatbot, 60L+ app downloads) "You fast forward it to when you turn 60. You want to see the world. But you don't have a steady income." Whether you're just starting your investment journey, already contributing to NPS, or trying to maximise your tax benefits under the new regime — this conversation is for you. ▶️ Watch till the end. Share it with someone who needs to hear this. And more insights on NPS, also follow us on: 🔹 LinkedIn:   / proteantech   🔹 Instagram: https://www.instagram.com/proteantech... & https://www.instagram.com/protean.cra... 🔹 Facebook: https://www.facebook.com/share/18HXk7... & https://www.facebook.com/share/15u7Sa... 🔹 X: https://x.com/proteanegovtech?s=21 🔔 Subscribe to NPS Ki Pathshala for more expert conversations on NPS, pension planning, and long-term financial security for every Indian. #PensionPeCharcha #NPS #NationalPensionSystem #RetirementPlanning #NewTaxRegime #TaxBenefits #NPSHacks #EmployerNPS #NPSWithdrawal #NPSVatsalya #LongTermInvesting #NeilBorate #PensionForEveryIndian #BuildingForBillions Chapters: 00:00 Introduction 00:01:14 Ranbheer Singh Dhariwal’s Journey From Telecaller to Leadership 00:04:08 NPS Under The New Tax Regime 00:10:08 Employer Contributions & Salary Structuring 00:12:47 Portability & Switching Jobs With NPS 00:15:25 NPS Services & Digital Access Explained 00:16:48 New NPS Withdrawal Flexibility After 15 Years 00:19:41 NPS Withdrawals & Processing Time 00:21:06 NPS Vatsalya For Children Explained 00:22:33 MSF & New Product Innovations 00:24:08 Equity Allocation & Long-Term Investing 00:25:42 Managing NPS Through The Mobile App 00:27:04 Tax Benefits & Long-Term Wealth Creation 00:28:50 Employer Adoption & Corporate Participation 00:31:38 Flexibility Changes In NPS 00:32:58 Retirement Planning & Financial Discipline 00:34:21 How Recent Reforms Changed NPS Perception 00:37:06 Retirement Income & Future Planning 00:39:55 Withdrawal Options & Retirement Choices 00:42:27 Pension, Annuity & Guaranteed Income 00:46:31 Understanding Retirement Math 00:48:01 Annuity Decisions & Retirement Strategy 00:52:03 Why Indians Need Retirement Planning 00:53:35 Cost Structure & Distribution Economics 00:56:16 Scaling NPS Adoption In India 00:57:35 Protean’s Role In The Ecosystem 00:59:01 Financial Inclusion & Accessibility 01:00:32 Digital Convenience & User Experience 01:02:12 Making Retirement Planning Accessible 01:03:36 Closing Thoughts