If you're looking to maximise investment returns while securing your retirement, the National Pension Scheme (NPS) can be an excellent option. It is a government-backed scheme that provides a long-term retirement solution. NPS facilitates long-term wealth accumulation and has a robust track record of delivering high returns.
In this article, we'll delve into NPS's historical performance to see how it has consistently outperformed many traditional investment options.
One of the key features of NPS is its exposure to equity investments. Equities have historically delivered superior growth, making this an excellent feature for investors looking to enhance their investment returns over time.
NPS allows investors to balance the high risk of equity investments with debt investments, which include Government Securities and Corporate Bonds. This ensures investors can benefit from the high returns of equities while enjoying the safety and steady income from debt instruments.
Additional Read: How to Open NPS Account Online?
NPS has consistently delivered impressive returns over the years, making it a valuable addition to your investment strategy. Moreover, with NPS, you can choose the allocation between equity, debt, and alternative investments based on your risk tolerance and financial objectives, ensuring your investments are aligned with your long-term goals.
Let's look at the historical return data for NPS across schemes E, C, and G:
| Pension Fund | AUM (Rs. Crores) | NAV | 1 year returns | 3 year returns | 5 year returns | 7 year returns | 10 year returns | Returns inception |
| Aditya Birla Sun Life Pension Management Ltd. | 806.16 | 28.6855 | 32.94% | 19.30% | 19.32% | 15.30% | NA | 15.72% |
| Axis Pension Fund Management Ltd. | 1,784.39 | 14.8684 | 34.68% | NA | NA | NA | NA | 25.21% |
| HDFC Pension Management Co. Ltd. | 44,892.03 | 53.3728 | 33.27% | 18.96% | 19.74% | 15.57% | 14.26% | 16.46% |
| ICICI Prudential Pension Fund Management Co. Ltd. | 16,019.08 | 73.0923 | 36.92% | 20.67% | 20.35% | 15.76% | 14.09% | 13.98% |
| Kotak Mahindra Pension Fund Ltd. | 2,511.05 | 67.0306 | 35.35% | 20.39% | 20.21% | 15.57% | 14.11% | 13.33% |
| LIC Pension Fund Ltd. | 6,010.17 | 45.1312 | 32.67% | 19.54% | 19.32% | 14.65% | 13.09% | 14.66% |
| Max Life Pension Fund Management Ltd. | 332.42 | 14.7156 | 35.66% | NA | NA | NA | NA | 22.93% |
| SBI Pension Funds Pvt. Ltd. | 19,343.37 | 58.1578 | 31.58% | 18.87% | 18.44% | 14.58% | 13.35% | 12.27% |
| Tata Pension Management Pvt. Ltd. | 1,160.75 | 15.9200 | 40.61% | NA | NA | NA | NA | 27.13% |
| UTI Pension Fund Ltd. | 2,578.81 | 72.3528 | 38.82% | 20.41% | 20.23% | 15.76% | 14.39% | 13.91% |
| DSP Pension Fund Management Pvt. Ltd. | 206.46 | 12.4697 | NA | NA | NA | NA | NA | 24.70% |
| Pension Fund | AUM (Rs. Crores) | NAV | 1 year returns | 3 year returns | 5 year returns | 7 year returns | 10 year returns | Returns inception |
| Aditya Birla Sun Life Pension Management Ltd. | 386.99 | 17.8289 | 7.94% | 6.24% | 7.60% | 8.13% | NA | 8.34% |
| Axis Pension Fund Management Ltd. | 1,018.15 | 11.4057 | 7.67 | NA | NA | NA | NA | 7.74% |
| HDFC Pension Management Co. Ltd. | 16,998.332 | 26.4805 | 8.17% | 6.36% | 7.83% | 7.73% | 9.02% | 9.26% |
| ICICI Prudential Pension Fund Management Co. Ltd. | 6,885.00 | 39.9635 | 7.78% | 6.13% | 7.32% | 7.45% | 8.94% | 9.54% |
| Kotak Mahindra Pension Fund Ltd. | 925.07 | 38.3602 | 7.93% | 6.10% | 6.78% | 6.83% | 8.45% | 9.24% |
| LIC Pension Fund Ltd. | 3,045.38 | 25.8460 | 7.65% | 6.00% | 7.44% | 7.32% | 8.72% | 9.00% |
| Max Life Pension Fund Management Ltd. | 194.54 | 11.3941 | 7.29% | NA | NA | NA | NA | 7.22% |
| SBI Pension Funds Pvt. Ltd. | 9,118.01 | 40.0693 | 7.82% | 6.06% | 7.48% | 7.45% | 8.77% | 9.56% |
| Tata Pension Management Pvt. Ltd. | 499.98 | 11.3985 | 7.86% | NA | NA | NA | NA | 6.99% |
| UTI Pension Fund Ltd. | 997.91 | 35.4868 | 7.74% | 5.96% | 7.19% | 7.10% | 8.49% | 8.69% |
| DSP Pension Fund Management Pvt. Ltd. | 107.01 | 10.4851 | NA | NA | NA | NA | NA | 4.85% |
| Pension Fund | AUM (Rs. Crores) | NAV | 1 year returns | 3 year returns | 5 year returns | 7 year returns | 10 year returns | Returns inception |
| Aditya Birla Sun Life Pension Management Ltd. | 715.27 | 17.5068 | 9.38% | 7.06% | 7.23% | 7.48% | NA | 8.07% |
| Axis Pension Fund Management Ltd. | 1,409.19 | 11.6861 | 9.37% | NA | NA | NA | NA | 9.23% |
| HDFC Pension Management Co. Ltd. | 28,297.67 | 26.1148 | 9.62% | 6.82% | 7.23% | 7.65% | 9.12% | 9.13% |
| ICICI Prudential Pension Fund Management Co. Ltd. | 11,243.66 | 34.8294 | 9.29% | 6.70% | 7.02% | 7.48% | 9.03% | 8.56% |
| Kotak Mahindra Pension Fund Ltd. | 1.634.54 | 34.8938 | 9.58% | 7.02% | 7.16% | 7.53% | 9.12% | 8.56% |
| LIC Pension Fund Ltd. | 5791.05 | 28.1487 | 9.28% | 6.91% | 7.14% | 7.99% | 9.60% | 9.85% |
| Max Life Pension Fund Management Ltd. | 416.15 | 11.8249 | 9.07% | NA | NA | NA | NA | 9.37% |
| SBI Pension Funds Pvt. Ltd. | 18,842.57 | 37.7281 | 9.49% | 6.86% | 7.13% | 7.56% | 9.14% | 9.12% |
| Tata Pension Management Pvt. Ltd. | 710.61 | 11.7852 | 9.13% | NA | NA | NA | NA | 8.85% |
| UTI Pension Fund Ltd. | 1,852.34 | 33.7487 | 9.71% | 7.13% | 7.06% | 7.35% | 8.85% | 8.34% |
| DSP Pension Fund Management Pvt. Ltd. | 160.44 | 10.7781 | NA | NA | NA | NA | NA | 7.78% |
NPS allows investors to diversify their investments across equities, debt, and alternative assets, providing a tailored strategy aligned with their risk appetites and financial goals. Its track record of delivering consistent returns over the years highlights the effectiveness of its diversified asset allocation.
Ready to see how NPS can work for you? Check out Tata Capital Moneyfy's free NPS calculator to determine your potential returns.
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04 September 2024
3 mins read
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