Disclaimer

NPS Desk is an independent research and planning-support initiative operated by Box Wealth Advisors. This page consolidates the disclaimers that apply across the Site, its research notes, calculators, scenario tools, reports, and any communications issued from the desk.

1. Independence

NPS Desk is an independent platform. It is not an official website of, and is not affiliated with, endorsed by, certified by, approved by, or in any way associated with:

• The Pension Fund Regulatory and Development Authority (PFRDA).
• NPS Trust.
• Any Central Recordkeeping Agency (CRA).
• Any Pension Fund Manager (PFM).
• Any Annuity Service Provider (ASP).
• Any Point of Presence (PoP).
• The Government of India, or any of its ministries, departments, or instrumentalities.

The names “NPS”, “National Pension System”, and any related descriptors are used purely in a descriptive sense to refer to the public pension scheme. We do not use official logos, emblems, seals, or marks.

2. Not advice

Information on the Site, including research notes, explainers, calculator outputs, scenario comparisons, and reports, is provided for general education and planning support only. It is not personalised investment, tax, legal, pension, retirement, or financial advice. Outcomes will depend on individual circumstances, prevailing rules, and assumptions that may not match your situation.

3. No regulated activity

The Site does not facilitate any regulated activity in connection with the National Pension System, including but not limited to: account opening, contribution processing, withdrawals, annuity purchase, transaction execution, point-of-presence activity, or pension distribution. Any future module involving regulated activity will be introduced only after the required approvals and legal confirmations are in place, and will be presented with appropriate disclosures.

4. Calculator and scenario assumptions

Calculators and scenario tools published on the Site rely on declared assumptions about contribution amounts, time horizons, expected returns, allocations, retirement age, annuity rates, tax treatment, and other inputs. Actual outcomes will differ. Outputs are estimates, not guarantees, and should not be treated as projections of any specific account, fund, or product. Always check the assumption tables published alongside any calculator output.

5. Verify with official sources

NPS rules, circulars, eligibility conditions, contribution treatment, withdrawal options, annuity requirements, and tax provisions can change. Before acting on any planning question, verify the current position with official sources such as PFRDA, NPS Trust, or your CRA, and consult a qualified financial, tax, legal, or retirement professional where appropriate.

6. Trademarks and references

References on the Site to PFRDA, NPS Trust, CRAs, PFMs, ASPs, PoPs, and other entities are descriptive. The corresponding trademarks, service marks, and other intellectual property remain the property of their respective owners. No endorsement, sponsorship, or affiliation with these entities is implied.

7. Forward-looking statements

Statements on the Site about future product modules, releases, research workstreams, or planning capabilities are forward-looking and reflect current intent. They are subject to change without notice based on legal, regulatory, operational, and product considerations.

8. Corrections

If you believe any content on the Site is inaccurate or out of date, please write to hello@npsdesk.com so that we can review and correct it.