Investors in India’s National Pension System (NPS) can now allocate 100% to equity—but only through a newly launched option called the MSF (Maximum Security Fund). Wealth advisor Neil Borate shared the update on X, calling it a “reality” for those seeking higher exposure to equity within the NPS framework. Advertisement

Previously, equity allocations in NPS Tier 1 accounts were capped at 75%, limiting aggressive investors. With the introduction of MSF, users can now bypass that cap—though with a few key conditions.

Borate outlined a simple five-step process to start contributing to MSF via the NPS CRA portal, emphasizing that the lock-in period is either 15 years or until age 60, whichever is earlier.

“This is effectively like subscribing to a new fund,” Borate explained in replies to

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