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India\u2019s National Pension System remains one of the lowest-cost retirement products, but fresh enrolment growth is slowing. Here\u2019s why adoption remains limited despite strong returns, tax benefits, and regulatory support.<\/p>\n
By Anshul <\/a>\u00a0April 29, 2026, 8:15:54 AM IST (Published)India\u2019s retirement savings story has a paradox at its core. The National Pension System (NPS) is among the lowest-cost, most structurally efficient long-term investment products available to investors today. Yet, despite its clear advantages, it continues to remain underpenetrated. Priority Access and Networking: CNBC-TV18’s flagship events <\/p>\n Interaction with CNBC-TV18’s journalists <\/p>\n Webinars & LIVE Q&As with India Inc. Leaders <\/p>\n Exclusive CNBC-TV18 studio & newsroom tours <\/p>\n Premium business insights, expert opinions & analysis <\/p>\n Curated lifestyle privileges & offers<\/p>\n","protected":false},"excerpt":{"rendered":"India\u2019s National Pension System remains one of the lowest-cost retirement products, but fresh enrolment growth is slowing. Here\u2019s…\n","protected":false},"author":2,"featured_media":416253,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[114,268,196460,85,46,196459,196461,196464,196463,193841,193842,266,267,196462],"class_list":["post-416252","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-hdfc-pension-management","tag-il","tag-israel","tag-national-pension-system-india","tag-nps-awareness-india","tag-nps-distribution-challenges","tag-nps-equity-returns","tag-nps-retirement-planning","tag-nps-tax-benefits","tag-personal-finance","tag-personalfinance","tag-pfrda-reforms"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts\/416252","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/comments?post=416252"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts\/416252\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/media\/416253"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/media?parent=416252"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/categories?post=416252"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/tags?post=416252"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/www.cnbctv18.com\/static\/images\/cnbc-new-logo\/access_new_logo.svg?impolicy=website&width=135&height=32\"\/ "\\"No"){kind=logo}
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