68.5% of subscribers are below 15, signalling growing interest in starting long-term savings early
School-age children account for the majority of NPS Vatsalya subscribers at Aditya Birla Sun Life Pension Fund, indicating that parents are increasingly beginning long-term savings for their children while they are still in school.
Children aged 10–14 years represent 36.9% of the fund’s NPS Vatsalya customer base, followed by those aged 5–9 years at 31.6%. Children aged 15–19 account for 21.1%, while those aged 0–4 make up 10.4%. Overall, 68.5% of subscribers are below 15 years.
The trend comes amid rapid national adoption of NPS Vatsalya. According to PFRDA data, subscribers doubled from 1.07 lakh in March 2025 to 2.15 lakh in March 2026. The scheme subsequently crossed four lakh unique customers in August 2026.
At Aditya Birla Sun Life Pension Fund, some NPS Vatsalya subscribers are children of parents who themselves hold NPS accounts under the Corporate, Government or All-Citizen Model, suggesting that long-term savings habits are increasingly extending across generations.
The scheme allows accounts to be opened for minors with a minimum contribution of ₹250, with no upper limit. Contributions can also be made as gifts by relatives and friends.
Starting early gives families a longer investment horizon and the opportunity to build a corpus gradually through regular contributions. NPS Vatsalya also provides continuity beyond childhood, with options available when the subscriber turns 18, subject to applicable PFRDA provisions.
The growing adoption points to a broader shift towards introducing children to disciplined, long-term financial planning at an earlier age.
