There is no waiting period. You can enroll in the Plan at any time.

Enroll online at any time, or by calling the Fidelity Retirement Benefits Line at 1-800-835-5095.

Your enrollment becomes effective once you elect a deferral percentage, which initiates deduction of your contributions from your pay. These salary deductions will generally begin with your next pay period after we receive your enrollment information, or as soon as administratively possible.

Through automatic payroll deductions, you may contribute between 1% and 100% of your eligible compensation as pretax contributions. Sign up online by accessing the “Contribution Amount” section under “Quick Links” on NetBenefits^®, or by calling the Fidelity Retirement Benefits Line at 1-800-835-5095.
Your total contributions for the calendar year cannot exceed the applicable dollar limit in effect under Federal law. This includes if you worked at one or more employer during the calendar year. Eligible Compensation under the plan is limited to be the applicable dollar limit in effect under Federal law for the plan year.

If you have reached age 50 or will reach 50 during the calendar year January 1 – December 31 and are making the maximum plan or IRS contribution, you may make an additional catch-up contribution each pay period. The maximum annual catch-up contribution is $7,500. Going forward, catch-up contribution limits will be subject to cost-of-living adjustments (COLAs) in $500 increments.

Starting in 2025, the SECURE 2.0 Act increases the limit for you if you have attained age 60, 61, 62, or 63 in a given calendar year. The limit for 2025 is $11,250.

The IRS contribution limit for 2025 is $23,500.

The Plan helps your retirement savings grow by matching your contributions.

Infosys Limited will match 100% of the first 3% of pay you contribute, and 50% of the next 2% of your pretax contributions to your plan.

You are immediately 100% vested in your own contributions to Infosys Limited Safe Harbor Plan, as well as in any of the Employer’s matching contributions and any earnings on them.

To help you meet your investment goals, the Plan offers you a range of options. You can select a mix of investment options that best suits your goals, time horizon, and risk tolerance. The various investment options available through the Plan include conservative, moderately conservative, and aggressive funds. A complete description of the Plan’s investment options and their performance, as well as planning tools to help you choose an appropriate mix, are available online.

We encourage you to take an active role in the Infosys Limited Safe Harbor Plan and choose investment options that best suit your goals, time horizon, and risk tolerance. If you do not select specific investment options in the Plan, your contributions will be invested in the Fidelity Freedom^® Fund with the target retirement date closest to the year you might retire, based on your current age and assuming a retirement age of 65, at the direction of Infosys Limited.

If no date of birth or an invalid date of birth is on file at Fidelity, your contributions may be invested in the !!No Fund Code Match!!. More information about the Fidelity Freedom^® Fund options can be found online.

Loans are not available in this Plan.

Withdrawals from the Plan are generally permitted when you terminate your employment, attain age 73, retire, reach age 59½, become permanently disabled, have severe financial hardship, as defined by your plan.

When you leave Infosys Limited, you can withdraw contributions and any associated earnings or, if your vested account balance is greater than $7,000, you can leave contributions and any associated earnings in the Plan. After you leave Infosys Limited, if your vested account balance is equal to or less than $1,000, it will automatically be distributed to you. However, if your vested account balance is greater than $1,000, but not more than $7,000, you may be notified that your entire vested account balance will be transferred to an Individual Retirement Account (Rollover IRA), unless you request either a cash distribution and/or a rollover distribution.

Learn more about and/or request a withdrawal online, or by calling the Fidelity Retirement Benefits Line at 1-800-835-5095.

You are permitted to roll over eligible contributions from Qualified 401(k) accounts, 403(b) plans, Governmental 457(b) plans. The Plan will also accept rollovers of eligible distributions you may receive as a spousal beneficiary or a participant in one of these plans, and distributions you may receive as an alternate payee under a QDRO. Additionally, the Plan will accept taxable amounts from conduit (“rollover”) IRAs, non-conduit IRAs (traditional IRAs, including eligible distributions from SEP IRAs and SIMPLE IRAs).

Additional information can be obtained online, or by calling the Fidelity Retirement Benefits Line at 1-800-835-5095.

Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

If you have not already selected your beneficiaries, or if you have experienced a life-changing event such as a marriage, divorce, birth of a child, or a death in the family, it’s time to consider your beneficiary designations. Fidelity’s Online Beneficiaries Service, offers a straightforward, convenient process that takes just minutes. To make your elections, click on the “Profile & Settings” icon in the upper right-hand corner, then select “Beneficiaries” and follow the online instructions.

Learn about exchanges, withdrawals, and more online. In particular, you can access a withdrawal modeling tool, which shows the amount of federal income taxes and early withdrawal penalties you might pay, along with the amount of earnings you could potentially lose by taking a withdrawal. Additional information can be obtained by calling the Fidelity Retirement Benefits Line at 1-800-835-5095.