NPS Rules Revamped: What The Major Retirement Changes Mean For Investors
Last Update Date: 06-10-2026
Published by Outlook Money
Abhishek Kumar's role: Quoted
Abhishek Kumar cautioned against exiting NPS early unless in a severe crisis, since 80% must then go into an annuity. He suggested that after 15 years the lump sum be invested in a debt-equity mix or drawn through systematic unit redemption.
More of Abhishek's views on retirement
The article explains recent NPS changes, including staying invested up to age 85, lump-sum withdrawal of up to 80% at 60, compulsory annuity cut to 20%, and removal of the five-year lock-in for non-government subscribers. It weighs the added flexibility against longevity and market risks.
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NPS Rules Revamped: What The Major Retirement Changes Mean For Investors