BUSINESS
NPS Equity: Which pension fund delivered the highest returns in NPS Equity? Understand the full 10-year history
Which pension fund led the NPS Equity 10-year performance? HDFC Pension delivered a 13.01% annualized return. Find out how ICICI Prudential, Kotak, and other funds performed and what this means for investors.
NPS Equity: The National Pension System (NPS) is considered one of the best investment options for retirement. Equity, or Scheme E, is a key option. Your investment funds are primarily invested in stocks and equity-related instruments.
Therefore, it offers the potential for higher returns than debt or government securities. However, there is also the risk of loss if the market declines. This option is especially considered for long-term retirement investing.
Who gave the highest returns in NPS Scheme E?
HDFC Pension leads the 10-year NPS Scheme E data. Among the public sector, it delivered an annualized return of 13.01% over 10 years. The benchmark return was 13.12%. ICICI Prudential came in second with 12.90%. Kotak delivered a 12.75% return.
|
pension funds |
10-year returns |
Returns from the beginning |
|
HDFC Pension |
13.01% |
13.93% |
|
ICICI Prudential |
12.90% |
12.44% |
|
Kotak |
12.75% |
11.82% |
|
UTI |
12.54% |
12.19% |
|
LIC |
11.69% |
12.24% |
|
SBI |
11.64% |
10.66% |
Note: Figures are from the NPS Trust. Data is valid until August 25, 2026.
HDFC is also ahead in the private sector
HDFC Pension performed best in the non-government sector, delivering a 10-year annualized return of 12.99%. ICICI Prudential returned 12.88%. Kotak returned 12.74%.
100% equity option in NPS
NPS also offers the option to invest more in equities. Under Active Choice, investors can determine their own asset allocation. Under Auto Choice, the equity portion varies based on age. Under the Multiple Scheme Framework, non-government subscribers also have the option to invest up to 100% in equities.
Don't judge by just looking at returns
When choosing an NPS fund, it's not a good idea to look solely at returns. Long-term performance is crucial. You should also consider how the fund performed during market downturns.
Also, compare it to a benchmark. Also, consider your portfolio and risk profile. Investing is for retirement, so it's not wise to simply chase the past year's good returns.
Disclaimer: The information provided here is for general awareness purposes only. Please consult relevant experts before making any investment, loan, tax, insurance, or other financial decisions. NewsCrab does not recommend any financial products or services.
