🚀 Launching the Most Awaited Retirement Strategy

Health First. Wealth Forever.

Retirement planning is evolving.

Until now, you had to choose between:

Building a retirement corpus
Or keeping liquidity for medical emergencies

But what if you could do both?

Introducing a powerful innovation in pension planning:

🌿 SWASTHYA – Equity Plus

Pension Growth with Medical Flexibility

A high-conviction retirement strategy under Tier I NPS —
where health security meets powerful equity growth.

The Future of Retirement Has a New Benchmark

SWASTHYA – Equity Plus is not just another pension option.
It is a structured retirement solution that combines:

✔ Long-term equity wealth creation
✔ Medical liquidity support
✔ Tax efficiency
✔ Institutional pension framework

🔹 What Makes SWASTHYA – Equity Plus Special?

1️⃣ High Equity Allocation (70%–100%)

Unlike traditional conservative pension approaches:

Equity exposure between 70% to 100%
Designed for long-term compounding
Ideal for investors with high growth conviction

This makes it suitable for young professionals and long-term retirement planners.

2️⃣ Medical Liquidity During Investment Period

Here’s where it becomes revolutionary.

You can use:

👉 Up to 25% of your own contribution
for medical expenses during the accumulation phase.

Eligible Uses Include:

OPD consultations
Diagnostics
Hospitalization
Pharmacy expenses

Across:

Apollo Hospitals
Apollo Pharmacy
Apollo Diagnostics
Apollo 24/7

With special healthcare discounts for subscribers.

3️⃣ No Limit on Number of Withdrawals (Within 25%)

Unlike normal NPS:

Standard NPS allows limited partial withdrawals (typically up to 4 times under specific conditions)

But under SWASTHYA:

✔ Withdraw up to 25% of corpus
✔ No cap on number of withdrawal instances
✔ Multiple withdrawals even in a single day permitted (subject to 25% limit)

This creates flexible medical liquidity without disturbing long-term retirement goals.

4️⃣ Full Corpus Access in Severe Medical Emergency

If medical expenses exceed 70% of total corpus:

✔ Premature closure allowed
✔ Contribution + accumulated returns accessible
✔ Payment made directly to hospital

This ensures retirement savings become a lifeline in extreme health situations.

🔹 Other Core Benefits of NPS (Beyond SWASTHYA)

Even apart from the medical flexibility, NPS remains one of the strongest retirement vehicles in India.

✔ Tax Benefits

₹1.5 lakh under Section 80C
Additional ₹50,000 under Section 80CCD(1B)
Employer contribution benefits under 80CCD(2)

Making it one of the most tax-efficient instruments.

✔ Market-Linked Growth

Equity exposure
Corporate bonds
Government securities

Professionally managed by pension fund managers.

✔ Low Cost Structure

NPS has one of the lowest fund management charges among retirement products.

Lower cost = Higher long-term compounding.

✔ Disciplined Retirement Planning

Encourages long-term savings
Partial annuitization ensures steady pension income
Protects retirement corpus from impulsive withdrawals

Who Is SWASTHYA – Equity Plus Ideal For?

✔ Young professionals targeting aggressive retirement growth
✔ Families wanting medical flexibility
✔ Investors with high equity conviction
✔ Individuals looking for pension savings + healthcare cushion
✔ Anyone planning retirement with structured discipline

Protection + Growth = Complete Planning

Remember:

Health Insurance covers hospital bills.
Term Insurance protects income.
Personal Accidental Insurance protects earning ability.
Mutual Funds build long-term wealth.
NPS builds retirement income.

SWASTHYA – Equity Plus bridges the gap between retirement planning and healthcare emergencies.

Final Thought

Retirement is not just about wealth.
It’s about health, stability, and dignity.

With SWASTHYA – Equity Plus:

You don’t choose between health and wealth.
You build both.