New Delhi. The National Pension Scheme (National Pension Scheme.-NPS) is going to be a big change from 1 October 2025. Under this, non-government members will now be allowed to invest their entire amount in many equity plans. Till now this limit was up to 75 percent. With this change, NPS members will get a chance to earn more profits in their pension funds.

Till now investors in NPS could choose only one investment option. In that too, a mixture of equity, bonds and government security was in fixed proportion, but now the pension fund regulator will implement the new system ‘Multiple Scheme Framework’. Under this, investors will get the option of many schemes. Under this, every investor will be able to invest in different schemes with his NPS account number (Pran number).

Fund manager will prepare plan
Under the new rules, fund managers will now be able to prepare plans according to the need of investors and profiles. For example, self-employment professionals, people working on digital platforms or corporate employees, whose employers also contribute, can be made different schemes for all these.

There will be two categories
Each scheme will have two categories- moderate and high risk. It will only allow up to 100% amount in high -risk options. Pension funds can also offer low -risk options at your discretion.

These conditions will also be applicable
-The lock-in period of each plan will be 15 years.
In general, investors will be able to withdraw money at the age of 60 years or at the time of retirement.
– If a person starts investing at the age of 30, then even at the age of 45, he can do partial withdrawal for the first time.
– In this withdrawal, the investor will be able to withdraw 60 percent tax -free and with the remaining amount, he will have to buy an annuity i.e. pension.

Current investment option under NPS
Currently, the NPS scheme allows the investor to select between active and auto options.

1. Active Choice Fund
Under this, NPS members can invest the contribution amount as per their choice as per their choice. In this fund, the investor can invest in equity, a maximum of 75% of his contribution by the age of 50. The remaining 25% share is to be allocated in government securities, corporate bonds and alternative investment funds. After this, equity allocation at the age of 60 is 50%.

2. Auto Choice Options
This option is also known as Jeevan Chakra Nidhi (BLC). In these, the investor gets three options, in which equity is invested on the basis of risk till the age of 35 years.
1. Conservative Fund (LC-25): 25% allocation in equity
2. Moderate Fund (LC -50): Allocation in 50% equity
3. Agressive Fund (LC-75): 75% allocation in equity
4. Balance Fund (BLC): 50% allocation in equity till the age of 45 years