{"id":648,"date":"2026-05-08T16:14:15","date_gmt":"2026-05-08T10:44:15","guid":{"rendered":"https:\/\/prodigypro.co.in\/blog\/?p=648"},"modified":"2026-05-08T16:14:16","modified_gmt":"2026-05-08T10:44:16","slug":"what-is-nps-vatsalya","status":"publish","type":"post","link":"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/","title":{"rendered":"What is NPS Vatsalya? Features, Benefits &amp; How It Works"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/05\/NPS-Vatsalya-1024x576.webp\" alt=\"NPS Vatsalya\" class=\"wp-image-649\" srcset=\"https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/05\/NPS-Vatsalya-1024x576.webp 1024w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/05\/NPS-Vatsalya-300x169.webp 300w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/05\/NPS-Vatsalya-768x432.webp 768w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/05\/NPS-Vatsalya-1536x864.webp 1536w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/05\/NPS-Vatsalya-2048x1152.webp 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#NPS_Vatsalya\" >NPS Vatsalya<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#Features_Of_NPS_Vatsalya\" >Features Of NPS Vatsalya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#Documents_Needed_For_NPS_Vatsalya\" >Documents Needed For NPS Vatsalya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#Eligibility_Criteria_For_NPS_Vatsalya\" >Eligibility Criteria For NPS Vatsalya&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#How_to_Start_Investment_For_NPS_Vatsalya\" >How to Start Investment For NPS Vatsalya<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#Withdrawal_Exit_Rules_For_NPS_Vatsalya\" >Withdrawal &amp; Exit Rules For NPS Vatsalya&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#Final_Thoughts\" >Final Thoughts&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#Whats_the_interest_rate_for_the_NPS_Vatsalya_scheme\" >What&#8217;s the interest rate for the NPS Vatsalya scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#Are_there_any_tax_benefits_on_NPS_Vatsalya\" >Are there any tax benefits on NPS Vatsalya?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#Can_I_open_an_NPS_Vatsalya_account_for_each_of_my_kids\" >Can I open an NPS Vatsalya account for each of my kids?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#Is_investing_in_the_NPS_Vatsalya_scheme_safe\" >Is investing in the NPS Vatsalya scheme safe?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/prodigypro.co.in\/blog\/what-is-nps-vatsalya\/#Which_is_better_NPS_or_PPF\" >Which is better: NPS or PPF?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NPS_Vatsalya\"><\/span>NPS Vatsalya<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NPS Vatsalya is a retirement scheme exclusively designed for minors in India. Our finance minister, Nirmala Sitaraman, mentioned this scheme in her speech for the budget 2024. The scheme launched on 18 September 2024.&nbsp;<\/p>\n\n\n\n<p>In this scheme, parents start investing in their children before they turn 18. This scheme has many other advantages, including securing your kids&#8217; future. Stay with us until the end to get answers to every question that might be roaming around in your mind.&nbsp;<\/p>\n\n\n\n<p>Here we will break down features, needed documents, eligibility criteria, and how you can invest. Withdrawal and exit rules, and lastly the benefits in the easiest forms, so let&#8217;s check it out,<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Features_Of_NPS_Vatsalya\"><\/span><strong>Features Of NPS Vatsalya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>To know more about this great scheme by the government, you must be aware of the features first,<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>For the minor children, parents need to open this NPS Vatsalya scheme. But the sole beneficiary will be your children.\u00a0<\/li>\n\n\n\n<li>After the minor becomes 18 the account will be transferred to NPS Tier 1 account.\u00a0<\/li>\n\n\n\n<li>In this scheme, once the minor turns 18 the account will be shifted to his\/her name and then they can also contribute the accumulated corpus.<\/li>\n\n\n\n<li>After the candidate becomes 18, within 3 months a new KYC verification will take place.<\/li>\n\n\n\n<li>A unique Pension Retirement Account Number (PRAN) will be issued by the Central Recordkeeping Agency (CRA) in the name of the candidate.<\/li>\n\n\n\n<li>In this exclusive scheme, there is no limit for maximum contribution, but the minimum contribution should be INR 1000 per year.<\/li>\n\n\n\n<li>After 3 years, it offers a partial amount of withdrawal and exit facilities.<\/li>\n\n\n\n<li>The initial enrollment contribution should be 1000 rupees for this scheme.\u00a0<\/li>\n\n\n\n<li>Once the minor turns 18 and the KYC procedure is done then the candidate can operate the account on their own.\u00a0<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Needed_For_NPS_Vatsalya\"><\/span><strong>Documents Needed For NPS Vatsalya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>To start the scheme along with the candidate, the guardians also need a few documents. Know them first,<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>PAN card of the guardians.\u00a0<\/li>\n\n\n\n<li>Proof of the date of birth of the minor is mandatory. It can be a birth certificate, school leaving certificate, matriculation certificate, passport or PAN.<\/li>\n\n\n\n<li>KYC of the minor&#8217;s parents, such as NREGA job card, voter ID card, Aadhar card, passport, driving license and National Population register.\u00a0\u00a0<\/li>\n\n\n\n<li>Signature of parents.\u00a0<\/li>\n\n\n\n<li>For the NRI families, a scanned copy of the passport is needed.<\/li>\n\n\n\n<li>Foreign address proof for the OCI subscribers.\u00a0<\/li>\n\n\n\n<li>For NRI subscribers, a minor&#8217;s NRE or NRO bank account is also required.\u00a0<\/li>\n<\/ol>\n\n\n\n<p>Before you apply for your kids in NPS Vatsalya, make sure you have all these genuine documents.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria_For_NPS_Vatsalya\"><\/span><strong>Eligibility Criteria For NPS Vatsalya&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Every family who has minor children can certainly apply for NPS Vatsalya. But for that, you need to know the simple eligibility criteria first,<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>To apply for this scheme your children must be below 18 years of age.\u00a0<\/li>\n\n\n\n<li>Guardians or parents of the minor can operate the account on behalf of their kid until he\/she becomes 18.<\/li>\n\n\n\n<li>In this scheme the minor will be the sole beneficiary and the parents and guardians will be the nominees.\u00a0<\/li>\n\n\n\n<li>OCI (Overseas Citizenship of India) &amp; NRI (Non-Resident Indian) candidates can also apply for this scheme.\u00a0<\/li>\n\n\n\n<li>Account opening contribution is min Rs. 1000 and subsequent contribution is also Rs. 1000 and there is no maximum limit<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Start_Investment_For_NPS_Vatsalya\"><\/span><strong>How to Start Investment For NPS Vatsalya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There are a lot of ways to start investing in the NPS Vatsalya scheme. It includes major banks, pension funds, Indian posts, and many others. But the most used way to start the scheme is through the eNPS website. The steps are<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit the eNPS website first.<\/li>\n\n\n\n<li>Find the option called \u2018Register Now\u2019 right below there will be the \u2018NPS Vatsalya (minor)\u2019\u00a0 tab.<\/li>\n\n\n\n<li>Now you have to enter the PAN number, date of birth (DOB), email address, and mobile number and click on the option called &#8216;Begin Registration&#8217;<\/li>\n\n\n\n<li>At this stage, you will receive an OTP on the given mobile number and email address.<\/li>\n\n\n\n<li>After the OTP verification is done, an acknowledgement number will pop up on the screen, then just tap on \u2018Continue\u2019.<\/li>\n\n\n\n<li>In this step, the parents need to fill up the details of guardians. And then again tap on &#8216;Confirm&#8217;.<\/li>\n\n\n\n<li>As we already mentioned, to start the scheme candidates need to pay Rs. 1000. So time to pay the amount.<\/li>\n\n\n\n<li>After the payment is done you need to complete the eSign authentication or dual OTP.\u00a0<\/li>\n\n\n\n<li>In the ninth stage, you will receive a PRAN which confirms that your NPS Vatsalya account creation is done in the name of your minor.\u00a0<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Withdrawal_Exit_Rules_For_NPS_Vatsalya\"><\/span><strong>Withdrawal &amp; Exit Rules For NPS Vatsalya&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Before 3 years of opening the account, the guardians won&#8217;t be able to withdraw any amount. But after that period only 25% of contributions can be withdrawn partially. Remember, this 25% does not include the return. To withdraw a minimum amount, parents must follow the specific rules and regulations. Such as,<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>In case of any kind of physical illness of the minor, the parents can withdraw a certain amount.<\/li>\n\n\n\n<li>If the minor is suffering from more than 75% disability, their guardians can withdraw a specific amount.<\/li>\n\n\n\n<li>Another important reason is the educational purpose of the minor.<\/li>\n<\/ol>\n\n\n\n<p><strong>Exit rule:<\/strong><\/p>\n\n\n\n<p>Once the minor becomes 18, here she can exit from the scheme. But make sure 80% of the accumulated Corpus is utilized for purchasing annuity and the remaining balance can be taken as a lump sum.<\/p>\n\n\n\n<p>There is another catch, when the accumulated pension is lower than or equal to rupees 2,50,000 then the candidate can easily withdraw the entire amount.&nbsp;<\/p>\n\n\n\n<p><strong>Also, Check &#8211; <a href=\"https:\/\/prodigypro.co.in\/blog\/what-is-a-thematic-energy-mutual-fund\/\">What is a Thematic Energy Mutual Fund?<\/a><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span><strong>Final Thoughts&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NPS Vatsalya is one of the greatest schemes introduced by the government of India in 2024. Being a parent we always want to secure our next generation&#8217;s life in all aspects. NPS Vatsalya not only helps us do so but also imparts a big lesson regarding savings and long-term investments. So we hope that the discussion was able to clear all your doubts and that you can start the investment without a second thought.<\/p>\n\n\n\n<p>Please share your thoughts on this post by leaving a reply in the comments section. Contact us via phone,<a href=\"http:\/\/wa.me\/917347700888\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0WhatsApp<\/a>, or email to learn more about mutual funds, or visit our website,<a class=\"\" href=\"https:\/\/prodigypro.co.in\/\">\u00a0Prodigy Pro<\/a>. Alternatively, you can download the<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.bfc_mf.prodigy_app&amp;pcampaignid=web_share\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0Prodigy Pro<\/a>\u00a0app to start investing today!<\/p>\n\n\n<div ><style>#sp-ea-647 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-647.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-647.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-647.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-647.sp-easy-accordion>.sp-ea-single {background: #7c8cff;}#sp-ea-647.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1778232230\"><div id=\"sp-ea-647\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card ea-expand sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Whats_the_interest_rate_for_the_NPS_Vatsalya_scheme\"><\/span><a class=\"collapsed\" id=\"ea-header-6470\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse6470\" aria-controls=\"collapse6470\" href=\"#\" aria-expanded=\"true\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> What&#8217;s the interest rate for the NPS Vatsalya scheme?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse6470\" data-parent=\"#sp-ea-647\" role=\"region\" aria-labelledby=\"ea-header-6470\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">The interest rate is between 9.5% to 10%<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Are_there_any_tax_benefits_on_NPS_Vatsalya\"><\/span><a class=\"collapsed\" id=\"ea-header-6471\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse6471\" aria-controls=\"collapse6471\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Are there any tax benefits on NPS Vatsalya? <\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse6471\" data-parent=\"#sp-ea-647\" role=\"region\" aria-labelledby=\"ea-header-6471\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Yes, there are tax benefits. Under section 80CCD (1B) if you make a contribution of up to INR 50,000 on NPS Vatsalya accounts, it will be eligible for deduction.\u00a0<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Can_I_open_an_NPS_Vatsalya_account_for_each_of_my_kids\"><\/span><a class=\"collapsed\" id=\"ea-header-6472\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse6472\" aria-controls=\"collapse6472\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Can I open an NPS Vatsalya account for each of my kids?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse6472\" data-parent=\"#sp-ea-647\" role=\"region\" aria-labelledby=\"ea-header-6472\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Yes, you can open a single NPS Vatsalya account for each of your kids before they turn 18.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Is_investing_in_the_NPS_Vatsalya_scheme_safe\"><\/span><a class=\"collapsed\" id=\"ea-header-6473\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse6473\" aria-controls=\"collapse6473\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Is investing in the NPS Vatsalya scheme safe?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse6473\" data-parent=\"#sp-ea-647\" role=\"region\" aria-labelledby=\"ea-header-6473\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u00a0You can consider it a safe investment since it is regulated by PFRDA, however, the investment is market-linked.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Which_is_better_NPS_or_PPF\"><\/span><a class=\"collapsed\" id=\"ea-header-6474\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse6474\" aria-controls=\"collapse6474\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Which is better: NPS or PPF?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse6474\" data-parent=\"#sp-ea-647\" role=\"region\" aria-labelledby=\"ea-header-6474\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Both are beneficial in different aspects. NPS is a long-term pension scheme that is linked to market risks and gives high returns but on the other hand, PPF is a public provident fund and provides a fixed return and it is safer than NPS.<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<p><strong>Disclaimer \u2013 <\/strong>This article is for educational purposes only and does not intend to substitute expert guidance. Mutual fund investments are subject to market risks. Please read the scheme-related document carefully before investing.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>NPS Vatsalya NPS Vatsalya is a retirement scheme exclusively designed for minors in India. Our finance minister, Nirmala Sitaraman, mentioned this scheme in her speech for the..<\/p>\n","protected":false},"author":1,"featured_media":649,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[997,992,998,340,995,990,991,994,996,993],"class_list":["post-648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-child-investment-plan","tag-child-pension-scheme","tag-financial-planning-for-children","tag-long-term-investment-2","tag-nps-for-minors","tag-nps-vatsalya","tag-nps-vatsalya-scheme","tag-pension-scheme-for-children","tag-retirement-planning-for-kids","tag-what-is-nps-vatsalya"],"_links":{"self":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/648","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/comments?post=648"}],"version-history":[{"count":1,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/648\/revisions"}],"predecessor-version":[{"id":650,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/648\/revisions\/650"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/media\/649"}],"wp:attachment":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/media?parent=648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/categories?post=648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/tags?post=648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}