NPS Overhaul 2025: Bigger Withdrawals, More Flexibility for Your Retirement Savings

• Higher lump-sum withdrawals: Non-government subscribers with over Rs 12 lakh corpus can now withdraw up to 80% as lump sum, up from 40%.
• New withdrawal framework: Corpus below Rs 8 lakh allows 100% lump sum; Rs 8-12 lakh offers phased withdrawals (SUR) or partial lump sum.
• Systematic Unit Redemption (SUR) introduced: Allows gradual withdrawal over 6+ years for steady income without annuity lock-in.
• Extended investment age & flexibility: Age limit increased to 85; more partial withdrawals allowed before and after 60.
• Diversified investment options: 100% equity option, investment in gold, REITs, IPOs, and multiple schemes under one PRAN.

Why It Matters: NPS 2025 reforms offer greater flexibility, higher withdrawals, and diverse investment options for retirement.