Trending @Infosys; National Pension Scheme (NPS)

Reach out to the icici branch within infosys campus, they will help you with the opening formalities.

Employer contribution = 10% + DA (this will be carved out from the basket of allowance, so your in hand pay will reduce, and you will receive a revised compensation letter indicating the same. CTC will remain same) Employee contribution can be zero also, you can choose the amount. NPS is a EEE instrument meaning tax exempt while investing, tax free gains and withdrawing. Only issue is that, while you withdraw the amount finally, 60% of the amount is freehold, while 40% of the will have to be invested in an annuity product. These products have typically 3-4% annualised yield.

As per your experience is it a good investment option for 4 lpa CTC person, I know our inhand salary is also less since we started as fresher here

Oh okay thank you for the information