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@uktom Some people like passive investing and NPS is perfect for retirement planning bucket. If NPS is your only investment or a huge portion then thats a problem.

@cn17 The thing with HDFC and ICICI is if you are a preferred customer with high Bank Balance, the customer care experience for you will be completely different. Different phone support, email. Door step banking service. Digi Bank (DBS), Niyo Bank and the likes are the worst in terms of...

@rezene HDFC bank has problems but it's so exaggerated. The only time I had issue was about 1-2 years ago when their net banking was having major issues. Rest of stuff like card, atm everything was working fine. Their apps and UI is still a decade old but after RBI things have improved a bit, no...

@resjudicata Agree new investors like to do all these calculations and stuff. It gets boring quickly if you have another job and guess how boring it will be when you are old. NPS provides stability as set and forget instrument, not allowing to withdraw thus saving for retirement only.

@isika If you are in 30% tax bracket with NPS you get instant 30% profit thats a very good deal. So invest if the money you are going to invest is not a big portion of your total investment and you can wait for it till retirement for that. NPS is for passive investors, set and forget. For...

@kiddoleknocker Will be better to directly open NPS account with the POP your company uses or use eNPS its completely online and charges are less than using Bank as POP. eNPS is for those who only want to invest their 50k and not through corporate. Account will be instantly opened with aadhar...