NPS Vatsalya: Start Your Child's Pension on Day One

Open a pension account for any child under 18; guardian runs it, child is the subscriber.

Start with ₹1,000 a year — the real edge is 60 years of compounding, not the amount.

At 18 it becomes a regular NPS; if corpus tops ₹2.5 lakh, 80% must buy an annuity.

Budget 2025 extended the ₹50,000 Section 80CCD(1B) deduction to Vatsalya, but only in the old regime.

It's locked till 60 — a retirement tool, not a fund for college or a first car.