Retirement isn’t something most of us like to think about early in our careers. But let’s face it—financial security after your working years is no longer a luxury; it’s a necessity. For India’s private-sector employees, self-employed professionals, and entrepreneurs, building a reliable retirement corpus has become more crucial than ever.
The National Pension System (NPS) has already established itself as a trusted, low-cost retirement framework. But until recently, it offered limited flexibility. The Multiple Scheme Framework (MSF) – a fresh initiative by the Pension Fund Regulatory and Development Authority (PFRDA) designed to give subscribers more power to shape their retirement journey.
In this article, we’ll explore what MSF is, how it works, why it matters, and how UTI PF Wealth Builder NPS Equity Scheme can help shape your future-ready retirement plan.
What is the Multiple Scheme Framework (MSF) in NPS?
The Multiple Scheme Framework (MSF) allows subscribers in the Non-Government Sector to invest in multiple pension schemes under a single PRAN. It offers greater flexibility, personalised retirement solutions, and aligns with best practices in pension system design.
MSF Scheme Under UTI Pension Fund
UTI Pension Fund has launched a scheme on 1st Oct 2025.
UTI PF Wealth Builder NPS Equity Scheme
A retirement scheme for long-term capital appreciation in the emerging mid-sized companies. UTI PF Wealth Builder NPS Equity Scheme looks at long-term capital appreciation by investing predominantly in equity and equity-related securities of companies beyond the top 100 by market capitalisation. The scheme aims to capitalize on growth opportunities in emerging mid-sized companies while maintaining a disciplined approach to risk management.
Key Features of UTI PF Wealth Builder :
- Ideal for Investors with a high-risk appetite seeking mid-cap equity growth for their NPS portfolio
- Ideal for young & mid-career professionals planning to maximise their retirement corpus
- Ideal for citizens looking for a long-term investment (15+ years)
- Minimum vesting of 15 Years or 60 years or superannuation or retirement, whichever is earlier, for Tier I account.
- Exercise the option of investing up to 100% in equities in the Tier I account.
- The scheme is applicable for Tier I and Tier II accounts.
Note: Total charges up to 0.30% of the AUM per annum.
Asset allocation :
- Equity and equity-related instruments : Min 90% to Max 100%
- Companies other than the constituents of the BSE 100 Index : Min 80% to Max 100%
- Short-term Debt Instruments, Liquid Fund and related investments : Min 0% to Max 10%
Why Choose UTI PF Wealth Builder Scheme?
- Growth-Focused: UTI PF Wealth Builder targets long-term growth by investing in equity and equity-related securities of emerging mid-sized companies.
- Fund Managed By Experts: Managed by seasoned professionals who combine research, strategy, and market insights to safeguard and grow your investments
- Disciplined Risk Oversight: Advanced quantitative metrics like VaR, Beta, Sharpe, Treynor, Sortino to analyse market and performance risk with daily limit monitoring and early-warning indicators
Note: This is a very-high-risk, equity-oriented product. Returns may be volatile in the short term, but aim for long-term growth.
Why MSF Is a Game-Changer for the Non-Government Sector?
For private-sector employees, entrepreneurs, and self-employed professionals, retirement planning requires balancing safety and growth. MSF:
- Provides greater autonomy over how pension savings are invested
- Enables dynamic strategy shifts over a lifetime
- Offers transparency and resilience through professional fund management
PFMs, such as UTI Pension Fund, apply disciplined strategies to manage these portfolios, helping subscribers pursue long-term objectives while navigating market volatility.
To explore more about the Multiple Scheme Framework (MSF) in NPS, visit https://utipension.com or connect with us at contact@utipf.co.in.
Final Thoughts
The Multiple Scheme Framework represents a significant evolution in NPS for India’s non-government workforce. By allowing diversified, goal-oriented investment strategies, MSF empowers subscribers to take more control.
Coupled with professional management from UTI Pension Fund MSF schemes like UTI PF Dynamic Asset Allocation NPS and UTI PF Wealth Builder NPS Equity, non-government employees, professionals, and entrepreneurs can now pursue retirement planning that is flexible, transparent, and aligned with long-term financial goals.
As India’s workforce grows increasingly mobile and financially aware, MSF is positioned to become the preferred choice for future-ready retirement planning.
