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@resjudicata There is no incentive. Think of this as an index fund where you can decide the asset allocation. If you choose a DIY index fund with debt fund combination, you will need to rebalance every year. This comes at a cost. NPS with its choice to redeploy assets twice a year gives you a...

@raulcraven Agreed, I believe NPS Tier 2 is a fine option for long term portfolio. Additional points in favor of NPS (both Tier1 and Tier2): We can trigger a manual rebalance twice a year without tax penalty. In the traditional asset allocated portfolio, a yearly rebalance will necessarily...

@jacob1234 Hmm interesting. Have you checked logging a NPS grievance? https://npscra.nsdl.co.in/faq-grievance.php

@jacob1234 No exit charges. The taxation is not clear though.