Can NPS subscribers invest in gold?

Yes, NPS subscribers can now invest up to 5% of their scheme's assets in gold ETFs.

What new stocks can NPS invest in?

NPS can now invest in Nifty 250 stocks, with 90% of the AUM focused on the top 200.

Are there changes to NPS annuity rules?

The mandatory 40% annuitization remains, but changes to this and the lock-in period are being considered.

Home / Business and Economy / NPS Opens Doors to Gold, Silver Investments

NPS Opens Doors to Gold, Silver Investments

11 Dec

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Summary

NPS subscribers can now invest up to 5% in gold and silver ETFs.
Gold and silver ETFs offer regulated investment with legal recourse.
NPS also includes Nifty 250 stocks and lower-rated debt papers.

NPS Opens Doors to Gold, Silver Investments

The National Pension System (NPS) has broadened its investment universe, now permitting subscribers to invest in gold and silver Exchange Traded Funds (ETFs). This strategic inclusion is capped at 5% of the scheme's assets under management (AUM), offering a new avenue for diversification. The move is expected to benefit both new and existing subscribers by providing access to assets with significant year-to-date returns, as gold has seen a 62% increase and silver an impressive 98% rise by December 11, 2025.

Further enhancing investment opportunities, the NPS now includes Nifty 250 stocks, with a stipulation that 90% of the AUM must be allocated to the top 200 stocks within this index. Additionally, fund managers can now invest in debt papers with an AA rating, expanding beyond the previous AAA-only restriction. These changes aim to position NPS as a one-stop asset allocation platform, integrating diverse asset classes previously unavailable.