{"id":903676,"date":"2026-09-24T11:44:09","date_gmt":"2026-09-24T11:44:09","guid":{"rendered":"https:\/\/www.newsbeep.com\/au\/903676\/"},"modified":"2026-09-24T11:44:09","modified_gmt":"2026-09-24T11:44:09","slug":"corporate-nps-why-india-needs-to-flip-the-retirement-savings-default","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/au\/903676\/","title":{"rendered":"Corporate NPS: why India needs to flip the retirement savings default"},"content":{"rendered":"<p>The corporate NPS ecosystem is robust\u2014attractive tax incentives, low fund management charges, strong long-term returns and flexibility unmatched by most retirement instruments. And yet, for millions of salaried Indians, it remains underutilized. The core issue is design: corporate <a class=\"backlink\" target=\"_blank\" href=\"https:\/\/www.livemint.com\/money\/personal-finance\/nps-retirement-income-market-linked-income-retirement-income-scheme-systematic-payout-rate-pfrda-inflation-reduced-risk-11779947874611.html\" data-vars-page-type=\"story\" data-vars-link-type=\"Manual\" data-vars-anchor-text=\"NPS\" rel=\"nofollow noopener\">NPS <\/a>relies on employees voluntarily opting in. Behavioural economics has taught us repeatedly that voluntary enrolment schemes, no matter how beneficial, struggle to overcome inertia.<\/p>\n","protected":false},"excerpt":{"rendered":"The corporate NPS ecosystem is robust\u2014attractive tax incentives, low fund management charges, strong long-term returns and flexibility unmatched&hellip;\n","protected":false},"author":2,"featured_media":903677,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[64,63,471928,471930,99,106526,471931,471932,471926,292815,35787,37266,186,144266,471929,42639,72164,1794,184,185,194905,471927,6541,17822,19801,38133],"class_list":["post-903676","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-au","tag-australia","tag-automatic-enrolment","tag-behavioural-economics","tag-business","tag-corporate-nps","tag-corporate-nps-scheme","tag-corporate-nps-tax-benefits","tag-eligible-employees","tag-employer-contributions","tag-epf","tag-epfo","tag-finance","tag-hdfc-pension","tag-it-act-2025","tag-national-pension-system","tag-nps-tax-benefits","tag-pension","tag-personal-finance","tag-personalfinance","tag-retirement-corpus","tag-retirement-instruments","tag-retirement-planning","tag-retirement-savings","tag-tax-benefits","tag-tax-incentives"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/903676","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=903676"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/903676\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/903677"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=903676"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=903676"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=903676"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}