印度更新NPS规则:非政府用户现在可以退出80%的金额,年金要求降至20%. India updates NPS rules: non-government subscribers can now withdraw up to 80% at exit, with annuity requirement cut to 20%.

印度国家养恤金制度(NPS)自2025年12月16日起对其规则进行了更新,允许非政府订户在退出时一次性提取其退休金的80%,低于前一个60%的限额。 India's National Pension System (NPS) has updated its rules effective December 16, 2025, allowing non-government subscribers to withdraw up to 80% of their retirement corpus as a lump sum at exit, down from the previous 60% limit. 在多数情况下,强制性年金购买要求已经从40%减少到20%,如果订户的资本总额达到8拉克,他们可以百分之百退出。 The mandatory annuity purchase requirement has been reduced from 40% to 20% for most cases, with subscribers able to withdraw 100% if their corpus is up to ₹8 lakh. 较高的余额允许部分提款,有年金或系统性的付款选择。 Higher balances allow partial withdrawals with annuity or systematic payout options. 退出年龄已延长至85岁,对非政府用户的五年锁定期限已被取消。 The exit age has been extended to 85, and the five-year lock-in for non-government subscribers has been removed. 政府雇员仍面临五年禁闭,年金必须使用超过5百万卢比的40%。 Government employees still face a five-year lock-in and must use 40% of their corpus above ₹5 lakh for annuities. 额外的20%提款的税收待遇仍然不清楚,专家们指出,根据现行法律,它可能要纳税。 The tax treatment of the additional 20% withdrawal remains unclear, with experts noting it may be taxable under current laws.