{"id":"f-80ae245e0c-106b7bad-06ac-564e-a811-eece2b26b3ce","title":"NPS Scheme A To Be Merged With C and E: What It Means For Subscribers, Check One-Time Free Switch Deadline","description":"PFRDA will merge NPS Scheme A Tier-1 with Schemes C and E, allowing subscribers to switch asset classes until December 25, 2025 for better diversification and stability.","timestamp":1765866000,"category":"business","headline":"NPS Scheme A To Be Merged With C and E: What It Means For Subscribers, Check One-Time Free Switch Deadline","modifiedHeadline":"NPS Schemes A, C, E To Merge: Act Now!","subCategories":["scid_6a7129b0"],"region":"IN","bundleMetaData":{"bundleId":"ece1ae3d-908e-48c7-9e53-a4aa910ee4db","bundleTitle":"Grow Your Money","cardData":null},"iabCategoryId":"85","fcSummary":"PFRDA will merge NPS Scheme A with Schemes C and E to provide a more stable and efficient investment experience. Subscribers of Scheme A can switch to other asset classes until December 25, 2025. The merger aims to reduce risk and enhance long-term returns.","summary":"NPS Scheme A merges with C & E! Diversify for stability by 12/25/25. PFRDA's move offers a one-time free switch for better returns.","ctaUrl":"https://trends.glance.com/newz/news/IN/en/news18/f-80ae245e0c-106b7bad-06ac-564e-a811-eece2b26b3ce","sourceUrl":"https://www.news18.com/business/savings-and-investments/nps-scheme-a-to-be-merged-with-c-and-e-what-it-means-for-subscribers-check-one-time-free-switch-deadline-ws-l-9772943.html","bannerImage":"https://g-mob.glance-cdn.com/public/fc/image/4By0MAOmAHd0.webp","content":"

NPS Scheme: National Pension Scheme (NPS) subscribers under Scheme A (Tier-1) are allowed to switch to any other asset classes until December 25, 2025. In an important update, the Pension Fund Regulatory

\n\n

and Development Authority (PFRDA) has announced to merge Scheme A (Tier-1) with Schemes C and E.

After a comprehensive review of the scheme’s performance and structure, and keeping your long-term retirement interests in focus, it is proposed by PFRDA to merge Scheme A with Schemes C and E. This step is intended to provide a more stable, efficient, and rewarding investment experience for subscribers, PFRDA said in the notice.

\n\n

Those NPS Subscribers who had opted for Scheme A in Tier I (Active Choice) can exercise additional choice of switching their wealth from Scheme A into any other asset classes of their choice without any
\n additional cost till 25th Dec 2025.

\n\n

What Are The Objectives?

Scheme A had a relatively small corpus and limited investment avenues.

Post-merger, contributions of investors will be part of larger and more diversified portfolios under Schemes C and E, helping reduce concentration risk and enhance stability.

Certain assets under Scheme A involve longer lock-in periods.

“Larger schemes offer better flexibility and portfolio management efficiency, which supports more consistent long-term returns and a better balance between risk – reward for retirement
\n investment,” PFRDA said in the notice.

\n\n

Merging Scheme, A with Schemes C and E, PFRDA added, ensures that your NPS contributions are invested in larger, diversified, and more liquid portfolios, enabling smoother management and more efficient long-term growth.

The four asset classes are

Asset Class E – Equity and related instruments
\n Asset Class C – Corporate debt and related instruments
\n Asset Class G – Government Bonds and related instruments
\n Asset Class A – Alternative Investment Funds including instruments like CMBS, MBS, REITS, AIFs, Invlts etc

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NPS Scheme A To Be Merged With C and E: What It Means For Subscribers, Check One-Time Free Switch Deadline

SUMMARY