Our Products

ROYS FINANCE, an AMFI-registered Mutual Fund Distributor, excels in providing personalized financial solutions based on the clients’ unique requirements and risk appetite, ensuring high returns while minimizing the risk factors.

National Pension Scheme

It is a government-sponsored pension scheme. It came into existence in 2004 for government employees. However, in 2009, it opened for all sections. This scheme provides retirement solutions to all employees.

NPS is a highly flexible scheme as it permits individuals to choose from a wide range of options and allows control over their investments. Any individual between the age of 18 to 60 years can opt for the NPS scheme.

Features Of The National Pension Scheme (NPS)

These are some of the main features of the National Pension Scheme (NPS) that you should be aware of –

1. Flexibility: A range of investment options is provided under the National Pension Scheme. Investors have the option to choose a Pension Fund Manager. Also, one can switch from one investment option to another and one Fund Manager to another, under certain conditions.

2. Active and Auto Choice: Investors have to choose between two investment choices i.e active choice or auto choice for distribution of their contribution.

3. Permanent Retirement Account Number: Opening an account through the NPS scheme will provide the individual with a Permanent Retirement Account Number or PRAN that will remain with the individual for a lifetime.

4. Voluntary: This particular scheme is for citizens of India only. NPS is mandatory for Central and State Government employees.

Benefits Of National Pension Scheme

These are some of the main benefits of investing in the National Pension Scheme –

1. Long-Term returns:
This is a long-term investment plan. The lock-in period is 10 years hence there is the possibility of a higher corpus upon maturity.

2. Online Access: NPS accounts can be assessed online and various features are available online.

3. Tax Benefits: Any individual who is a subscriber of the NPS can avail of tax benefits under Section 80C.

4. Control: Any individual subscribed to NPS has control over his investments which means he can ensure higher returns and calculated risks.

We do recommend NPS to most individuals because it is currently one of the cheapest investment products that you can opt for.

Other Products

Fixed Income

Fixed Income funds aim to generate “fixed” returns based on an interest rate by investing in various bonds and fixed-income

Sovereign Gold Bond

This particular scheme was started by the Government of India in 2015 to control the demand for imported gold in


Life is unpredictable. Buying an insurance policy ensures financial security to face any kind of unforeseen problems in life. Insurance

Hybrid Mutual Fund

Hybrid mutual funds are a combination of both Equity and Debt instruments and investors can invest in both. Assets are

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Email Address

Office Address

ROYS FINANCE, 506, Eco Suite Business Tower, Action Area IID, New Town, Kolkata, West Bengal, 700136

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Our phone lines are available, Monday to Friday 10 AM to 6 PM and Saturday from 10 AM to 3 PM.

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