NPS Vatsalya - Secure Your Child’s Future with Long-Term Investment
CSS Financial Solutions proudly offers NPS Vatsalya, a groundbreaking child long-term investment plan designed to secure your child’s financial future from an early age. This innovative scheme, launched under the National Pension System (NPS), allows parents to invest in their child’s future with flexible contribution options and long-term benefits.
Why Choose NPS Vatsalya for Your Child?
NPS Vatsalya is a unique investment plan aimed at nurturing disciplined savings habits in minors, ensuring financial security and wealth accumulation through compounding.
✅ Flexible Contribution Options with No Upper Limit
✅ High Growth Potential through Equity and Debt Investment Options
✅ Seamless Transition to NPS Account at 18 Years
✅ Tax Benefits under Section 8OCCD
How it works
Account Creation: The account is opened in the child’s name and managed by the guardian until the child turns 18.
Investment Options: Choose from Default Choice (LC-50), Auto Choice, or Active Choice based on your risk appetite.
Wealth Accumulation: Regular contributions grow through the power of compounding.
Account Transition: Automatically converts into a regular NPS account at 18 with continued financial benefits.
Benefits of NPS Vatsalya:
Early financial discipline
Long-term wealth accumulation
Risk-based investment options
Tax savings
Secure retirement planning
How to Apply - CSS Financial Solutions guides you through every step of the process, from opening the account to choosing the best investment strategy
NPS Vatsalya is a child-focused long-term investment plan under the National Pension System. It allows parents to build a tax-efficient corpus for their child’s higher education or future needs with disciplined savings.
Parents or legal guardians can open an account on behalf of a minor child (under 18 years). Once the child turns 18, they can operate the account independently, continuing the investment journey.
Yes, after 3 years, partial withdrawals are allowed for education or medical emergencies. Our team guides you through the process, ensuring compliance with NPS rules
Once your child turns 18, the account transitions into their name. They can continue investing, pause, or even withdraw partially for permitted purposes like higher education.
Absolutely. Parents can claim deductions up to ₹1.5 lakh under Section 80C and an additional ₹50,000 under Section 80CCD(1B)—maximizing tax savings while securing the future.
Yes. It’s regulated by PFRDA (Pension Fund Regulatory and Development Authority) and offers a mix of equity and debt—giving your child the benefit of balanced, long-term growth with safety.
You can start with as little as ₹500 per contribution. There’s no upper limit, making it flexible for various income levels. Regular contributions help build a significant corpus over time.
We offer end-to-end support—from selecting the right investment strategy to account setup, portfolio reviews, and withdrawals. With us, your child’s financial future is handled with care and expertise
While regular NPS focuses on retirement, Vatsalya is designed for children’s long-term goals like education or marriage. It offers the same benefits—low charges, market-linked growth, and tax efficiency—but is goal-oriented for your child.
