Episode Details

In this episode, Rahul Bhagat, CEO of DSP Pension Fund, shares a rare insider's perspective on why the National Pension System (NPS) remains underpenetrated despite being one of India’s most promising retirement planning tools. He breaks down the barriers to adoption, the differences between auto vs active allocation, and explains how DSP’s value-driven investment approach helps manage risk and deliver long-term returns in the NPS space.

Bhagat also explores the regulatory tweaks needed to boost NPS participation, what first-time investors should look for in a pension fund manager, and why the industry has the potential to grow from ₹15 lakh crore to ₹50 lakh crore—if the right ecosystem is built.

Whether you’re an HR professional, financial advisor, or investor planning for retirement, this conversation will help you understand NPS from both a strategic and investor lens.

 Key topics covered:

• Why onboarding and distributor incentives are holding NPS back

• DSP’s investment philosophy for equity in pension portfolios

• How to choose between auto, balanced, and active allocation

• What sets DSP Pension Fund apart in terms of transparency and communication

• What regulatory changes can help NPS thrive

• Why paying a bit more for smarter fund management can yield better returns

Categories/Genres: Business, Investing, Retirement Planning, Personal Finance, Government & Organizations