Estimate your retirement pension corpus, lump sum payout, and estimated monthly pension under NPS.
| Age | Total Invested | Interest Earned | Accumulated Corpus |
|---|
NPS is a government-sponsored voluntary pension scheme designed to provide retirement income to Indian citizens. Upon reaching age 60, up to 60% of the corpus can be withdrawn tax-free, while the remaining 40% must be used to purchase an annuity for a monthly pension.
NPS offers tax deductions up to ₹1.5 Lakh under Section 80CCD(1) and an exclusive additional deduction of ₹50,000 under Section 80CCD(1B).
You can withdraw up to 60% of your accumulated corpus as a lump sum completely tax-free. The remaining 40% goes into buying an annuity plan.
Tier-1 is a mandatory lock-in pension account with tax benefits. Tier-2 is a voluntary savings account with flexible withdrawals without lock-in.
Yes, subscriber options allow switching between Active Choice (custom equity/debt split) and Auto Choice (lifecycle-based risk adjustment).
No, NPS returns are market-linked and depend on the performance of underlying asset classes: Equity (E), Corporate Bonds (C), and Government Securities (G).