New guidelines issued on NPS Vatsalya. Pension Planning before 18 years Money Live | New guidelines issued for NPS Vatsalya. Pension planning before age 18

To secure the financial future of children, the government has issued new guidelines for NPS Vatsalya Scheme, which came out in the circular of PFRDA dated January 7, 2026. Under this scheme announced in the Union Budget 2024-25, parents and guardians can open pension accounts in the name of their minor children, so that retirement planning can start from an early age. It has the facility of investment with minimum annual contribution. Asset allocation is flexible, allowing up to 75% investment in equities, as well as options in government securities and corporate bonds. Limited partial withdrawal is possible for educational or medical needs. At the age of 18 years, the account can be converted into regular NPS or exit can be taken. Experts consider it a strong way of long-term disciplined savings.