The power of choice, discover the Multiple Scheme Framework (MSF) in NPS



Ever wished your investments could be as personalized as your needs?   Now they can.

With the Multiple Scheme Framework (MSF) in NPS, your retirement plan finally sounds like you.

The National Pension Scheme (NPS) has always been a smart, reliable way to build your retirement savings. But with the launch of MSF on October 1, 2025, it’s stepped into a new era - one that’s flexible, customizable, and built for your goals, not someone else’s.

What is the Multiple Scheme Framework for NPS?

Think of the MSF as your own personal control panel for long-term investment/retirement.

Earlier, NPS subscribers could only invest in a single scheme per tier. Now, under the Multiple Scheme Framework, you can manage multiple pension schemes with a unique identifier, i.e., PAN (Permanent Account Number). 

Here’s what that means:

  • You’re no longer limited to one Pension Fund Manager (PFM).
  • You can distribute your money across multiple fund managers - each with a unique investment approach.
  • Some lean towards equity for high growth, while others focus on debt for steady returns.

With MSF, you decide the mix suitable to your requirements. You build your own long-term investment/ retirement dream team - and they all play for your future.

Why MSF matters more than ever

When you’re young, time is your biggest superpower. The MSF under National Pension System lets you make the most of it. Start bolding with higher equity exposure when you can afford to take risks and gradually move towards stability as you are near retirement.

And if one fund underperforms? No worries - others can keep your scorecard strong.

Its diversification is done right. Because your retirement shouldn’t depend on just one plan.

Key features of MSF in NPS

  • Single PAN, Multiple Schemes: Hold and manage different schemes under one PAN, across CRAs.
  • Customized Schemes: Pension Funds can now offer new, tailor-made plans - for example, when your investment horizon is long and your risk tolerance is high. 
  • 100% Equity Option: Want to go all-in on growth? MSF allows up to 100% equity allocation for those who prefer an aggressive approach.
  • Greater Diversification: No more one-size-fits-all investment paths - mix, match, and adapt as your goals evolve.
  • Flexibility & Control: Allocate your money across multiple PFMs, monitor performance in real-time, and tweak your strategy as you grow.

Why it’s a game-changer

With the Multiple Scheme Framework in NPS, your retirement strategy becomes as dynamic as your career. You’re no longer a passive investor - you’re a portfolio architect.

And when you manage your investments with ICICI Prudential Pension Funds Management Company Limited (ICICI PFM), you get expert fund management with total transparency and flexibility to design your own financial journey.

Your Future, Your Framework

In a world where you can customize everything - from your phone theme to your playlists - why settle for a one-size-fits-all logn term/ retirement plan?

With MSF in NPS, you have the freedom to create your own investment mix, explore new schemes, and adapt your strategy to your evolving ambitions.

Because your future deserves more than a plan - it deserves a framework that grows with you.

Start today. Shape tomorrow.

With ICICI PFM - where your choices define your future.

Location: India

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