REGULATED BY
PFRDA, Govt. of India
NPS Vatsalya
the new way to invest for Kids
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Long-Term Protection
To give your child a head start & securing their financial future.
Market Linked Returns
Get up to 100% equity exposure with the new NPS Vatsalya schemes with select PFMs.
80CCD(1B) Tax Benefit
Get up to ₹50,000 tax benefit under Section 80CCD(1B) (old tax regime).
Financial Responsibility
You want your child to use the money wisely. NPS Vatsalya offers a controlled withdrawal policy.
Flexibility
At 18, same NPS Vatsalya can be migrated to a regular Tier I account.
Financial Values
Teach children about financial discipline, good money habits
COMPARISON
Why choose NPS over others investments?
NPS Vatsalya
100% Recommended
Market Linked Returns
SSY
SSY For Kids
40% Recommended
Stable & fixed returns
MF
MF For Kids
70% Recommended
Higher risk
PPF
PPF For Kids
60% Recommended
Stable & fixed returns
VS
Choose NPS Vatsalya, the best retirement savings option for your child.
| NPS VATSALYA | SUKANYA SAMRIDDHI YOJANA | |
|---|---|---|
| Min Contribution | ₹250 P.A | ₹250 P.A |
| Tax Benefits | Upto ₹50000 | Upto 1.5Lakh |
| Partial Withdrawal | 3 Year Lock-in | At 18 Years |
| Return | 12% (approx) | 8.2% |
*Returns shown (e.g. 12%) are illustrative and not guaranteed — NPS Vatsalya is market-linked and subject to market risk; actual returns will vary. Comparison figures are indicative. This is a general view from PensionBox, not investment advice.
How to Apply 
?secure your kids future today
Sign-up on PensionBox
(Create an account in seconds)
Complete your KYC
(Quick and effortless)
Digital Signature & Birth Certificate
(Keep these handy)
Fill out NPS form
(Less than 5 minutes)
First Contribution
(Start with as little as ₹250)
the new way to invest for Kids
REGULATED BY
PFRDA, Govt. of India
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Hope they inspires you as well.
Hope they inspires you as well.
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Frequently asked questions
What is NPS Vatsalya?
NPS Vatsalya is a contributory pension system under the National Pension System (NPS). Its objective is to create a pensioned society and encourage the empowerment of children by inculcating the habit of saving for retirement from an early age.
Who can subscribe to NPS Vatsalya?
NPS Vatsalya is open to all citizens of India who are under the age of eighteen years. The account will be opened and operated by the guardian on behalf of the minor.
What are the benefits of opening a NPS Vatsalya account?
Opening a NPS Vatsalya account provides the child with a head start on saving for retirement and offers valuable financial lessons from an early age. It instills the importance of financial planning and discipline, which can benefit the child throughout their life.
How is the NPS Vatsalya account operated?
- The account is opened by the biological parents or legal guardian in the name of the minor.
- The minor is the sole beneficiary of the account.
- A unique Permanent Retirement Account Number (PRAN) is issued in the minor's name.
- The account is operated by the parent/guardian for the exclusive benefit of the minor until they reach the age of majority (18 years).
What is the procedure for opening a NPS Vatsalya account?
Easily open and manage your child's NPS Vatsalya account with PensionBox. Here's what you need to get started:
- The parent/guardian must sign up on PensionBox using their mobile number that is registered with Aadhaar.
- Parent/Guardian must complete their KYC process seamlessly through PensionBox.
- Once done, they can directly open an NPS Vatsalya account for their child.
What are the KYC requirements for opening a NPS Vatsalya account?
The KYC norms applicable to the guardian must be in accordance with the standards stipulated by PFRDA.
- Once the parent/guardian signs up on PensionBox, they can quickly verify their KYC with us. Our seamless & efficient KYC process is designed to be completed in just a few minutes.
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