{"id":634461,"date":"2026-09-24T11:16:13","date_gmt":"2026-09-24T11:16:13","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/634461\/"},"modified":"2026-09-24T11:16:13","modified_gmt":"2026-09-24T11:16:13","slug":"corporate-nps-why-india-needs-to-flip-the-retirement-savings-default","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/634461\/","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":634462,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[94008,269482,72,27865,269483,269484,269479,172996,30269,17870,176,64368,61,60,269481,4000,172560,1612,174,175,47936,269480,1544,1830,27867,116576],"class_list":["post-634461","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","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-ie","tag-ireland","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\/ie\/wp-json\/wp\/v2\/posts\/634461","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=634461"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/634461\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/634462"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=634461"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=634461"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=634461"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}