New Delhi, March 18 -- Investing in the National Pension System (NPS) is a long-term commitment, but life doesn't always wait until retirement. What if you need funds for a medical emergency, your child's education, or even to start a business? While NPS has a strict lock-in period, the Pension Fund Regulatory & Development Authority (PFRDA) allows partial withdrawals under specific conditions-offering a way to access some of your savings without breaking the long-term retirement plan.

Subscribers can withdraw up to 25% of their own contributions after completing three years in the scheme. This can be done up to three times before exiting NPS. However, there's a catch: only the principal amount contributed by the individual is eligible f...