Decades of compounding
Starting in childhood gives money the longest time to grow.
NPS Vatsalya
Give your childa head starton retirement
Open an NPS account for your minor child. Small, regular contributions compound for decades — and the account becomes theirs at 18.
✓Start early, grow longer
Why start early
The earliest rupees do the most work
NPS Vatsalya lets a guardian build a long-horizon retirement corpus for a child, using the same low-cost, regulated NPS framework.
Guardian-operated
A parent or guardian opens and manages it for the child.
Becomes theirs at 18
It converts to a standard NPS account in the child’s name.
Flexible contributions
Add money regularly or as and when you can.
How it works
Three simple stages
From opening the account to the day it becomes your child’s own.
Open
A guardian opens the account with the minor as the subscriber.
Contribute
Add contributions in the child’s name over the years.
Convert
At 18 it becomes a standard NPS Tier-I account they control.
Features and limits follow the prevailing NPS Vatsalya framework and should be verified before opening an account.
Getting started
Open an account in four steps
A guardian can complete the process with standard KYC documents.
Check eligibility
The child must be an Indian minor below 18 years.
Complete KYC
Provide the guardian’s KYC and the child’s documents.
First contribution
Fund the account to activate the child’s PRAN.
Manage & grow
Track the account and add contributions over time.
Common questions
What parents usually ask first
Who can open an NPS Vatsalya account?
A guardian can open and operate the account on behalf of an eligible Indian minor.
What happens when the child turns 18?
The account is designed to convert into a standard NPS account in the young adult’s name, subject to the applicable process.
Is there a minimum contribution?
A modest minimum annual contribution applies; you can add more whenever you choose.
Who controls the investment choices?
The guardian manages the account and its options until the child reaches adulthood.