Project your National Pension Scheme corpus, lump-sum withdrawal, and monthly pension at retirement. Adjustable annuity share and rate.
Total corpus
₹ 2,27,93,253
360 months of contribution
Lump-sum withdrawal
₹ 1,36,75,952
60% of corpus, tax-free up to ₹60% under sec 10(12A)
Monthly pension
₹ 45,587
At 6% annuity p.a.
Total contribution
₹ 36,00,000
Wealth gain
₹ 1,91,93,253
Corpus − contribution
Annuity corpus
₹ 91,17,301
40% locked into pension
NPS withdrawals are governed by PFRDA. Up to 60% lump-sum is currently tax-exempt under Section 10(12A); the annuity income is taxable as per slab. Confirm rules at withdrawal — the regulator updates them periodically.
Monthly contribution + return assumption
Adjustable annuity share (min 40%)
Adjustable annuity rate
Lump-sum + monthly pension at retirement
Section 10(12A) note
Project your retirement corpus to plan top-up contributions under Tier I or Tier II.
See the long-term effect of additional NPS contributions beyond 80C.
Compare NPS pension with PPF or mutual-fund SWP scenarios.
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