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Best Retirement Plan in India? Why NPS Might Be Your Smartest Bet. Complete Guide to NPS

When it comes to retirement planning in India, the National Pension System (NPS) has become one of the most popular investment options—thanks to its flexibility, tax benefits, and decent historical returns. If you're trying to figure out whether to open a Tier 1 or Tier 2 NPS account, what asset allocation works best, or how to get the most tax advantage, this guide will give you clarity—without jargon. Tier 1 vs Tier 2 NPS Accounts: What’s the Difference? Tier 1: The Core Retirement Account Mandatory for tax benefits Lock-in till age 60 Tax benefits under Sections 80CCD(1) , 80CCD(1B) , and 80CCD(2) Partial withdrawals allowed under specific conditions Tier 2: Optional, More Flexible Voluntary —requires a Tier 1 account first No lock-in (except 3 years for 80C deduction) No tax benefit under the new tax regime Great for short-to-medium term investments if you can handle market volatility Active vs Auto Choice in NPS: What Should You Pick? ...
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Sree Vishnu Sahasranama Stotram

ATHA DHYANAM  Shuklam-baradharam Vishnum shashivarnam chaturbhujam | Prasanna vadanam dhyayet sarva vighnopa-shantaye ||  Vyasam vasistha-naptaram shakteh poutrama-kalmasham | Parasha-raatmajam vande shukatatam taponidhim ||  Vyasaya vishnuroopaya vyasaroopaya vishnave | Namo vai brahmanidhaye vasisthaya namo namah || Avikaraya shudhaya nithya paramathmane | Sadaika roopa roopaya vishnave sarva gishnave ||  Yasya smarana-matrena janma-samsara bhandanat | Vimuchyate namasta-smai vishnave pradha-vishnave ||  Om namo vishnave prabhavishnave  VAISHAMPAYANA UVACHA  Shrutva dharma nasheshana pavanani cha sarvashah | Yudhishthirah shantanavam punareva abhya-bhashata ||  YUDHISHTHIRA UVACHA  Kimekam daivatam loke kim vapyekam parayanam | Stuvantah kam ka marchantah prapnuyuh manavah-shubham ||  Ko dharmah sarva-dharmanam bhavatah paramo matah | Kim japanmuchyate janthuh janma samsara-bandhanat ||  BHISHMA UVACHA  Jagat-prabhum deva-dev...

The Power of Soucha: Purification Rituals and Mantras from Nirnaya Sindhu

In the rush of modern life, finding moments of purity and peace can transform our spiritual journey. The Nirnaya Sindhu , a 16th-century Dharmashastra text by Kamalakara Bhatta, teaches us that soucha (purification) is the cornerstone of all sacred practices. At Shvash Tantra, we believe that aligning your breath (Shvash) with disciplined practice (Tantra) creates harmony within. Let’s explore soucha rituals from the Nirnaya Sindhu , enriched with powerful mantras, to cleanse your mind, body, and soul. What is Soucha? Soucha, as outlined in the Nirnaya Sindhu , is the practice of purifying oneself externally and internally to prepare for worship or meditation. It’s more than physical cleanliness—it’s about creating a sacred space to connect with the divine. The text emphasizes soucha as essential for rituals, ensuring clarity and reverence. By pairing these practices with mantras, you amplify their spiritual potency, much like the transformative energy of Rudrabhishek celebrated on our...