What do you get under NPS for traders?
A pension of ₹3,000 a month from age 60 for small shopkeepers, traders and self-employed people. You pay ₹55 to ₹200 a month by age and the government pays the same.
Who is eligible for NPS for traders?
- Traders, shopkeepers and self-employed persons aged 18 to 40 at joining.
- Annual turnover up to ₹1.5 crore.
- Not income-tax payers, and not members of EPF, ESIC or NPS.
Documents needed for NPS for traders
0 of 3 ready
Offices may ask for more. Check the official list before you go.
How to apply for NPS for traders
- Enrol at a Common Service Centre or on maandhan.in with Aadhaar and a savings bank account.
- Pay the first contribution; later ones are auto-debited.
Common questions
Who is eligible for NPS for traders?
Traders, shopkeepers and self-employed persons aged 18 to 40 at joining. Annual turnover up to ₹1.5 crore. Not income-tax payers, and not members of EPF, ESIC or NPS.
How much do I get under NPS for traders?
A pension of ₹3,000 a month from age 60 for small shopkeepers, traders and self-employed people. You pay ₹55 to ₹200 a month by age and the government pays the same.
What documents do I need for NPS for traders?
Aadhaar card (linked to your mobile number); Bank passbook or account details (Aadhaar-seeded account); Mobile number for OTP.
How do I apply for NPS for traders?
Enrol at a Common Service Centre or on maandhan.in with Aadhaar and a savings bank account. Pay the first contribution; later ones are auto-debited. Official site: https://maandhan.in/
Do I have to pay anyone to apply for NPS for traders?
No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.
Official sources
Last checked 1 November 2026; next review by 1 May 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.