2 Replies to “Why are Indians not signing up for NPS?”

  1. Hi Anand,

    In India, generally insurance, retirement products are sold and not bought.

    Also there is no incentive to agents or others to push for this product.

    That combined with the various restrictions put in to this product like maximum 50 % allocation to equities, only INDEX funds, minimum 4 transactions per year per account which requires charges to be paid to SP etc. are the other reasons.

    Low cost is due to passive management and not due to any other factor.



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