Estimate your NPS maturity value and the monthly pension it can buy.
Illustrative only. Actual NPS returns depend on asset allocation and fund performance. Annuity rates vary by provider and product.
| AGE | INVESTED | CORPUS | WEALTH GAINED |
|---|---|---|---|
| Age 31 | ₹60,000 | ₹62,828 | +₹2,828 |
| Age 32 | ₹1,20,000 | ₹1,32,235 | +₹12,235 |
| Age 33 | ₹1,80,000 | ₹2,08,909 | +₹28,909 |
| Age 34 | ₹2,40,000 | ₹2,93,612 | +₹53,612 |
| Age 35 | ₹3,00,000 | ₹3,87,185 | +₹87,185 |
| Age 36 | ₹3,60,000 | ₹4,90,557 | +₹1,30,557 |
| Age 37 | ₹4,20,000 | ₹6,04,752 | +₹1,84,752 |
| Age 38 | ₹4,80,000 | ₹7,30,905 | +₹2,50,905 |
| Age 39 | ₹5,40,000 | ₹8,70,269 | +₹3,30,269 |
| Age 40 | ₹6,00,000 | ₹10,24,225 | +₹4,24,225 |
| Age 41 | ₹6,60,000 | ₹11,94,302 | +₹5,34,302 |
| Age 42 | ₹7,20,000 | ₹13,82,189 | +₹6,62,189 |
| Age 43 | ₹7,80,000 | ₹15,89,751 | +₹8,09,751 |
| Age 44 | ₹8,40,000 | ₹18,19,046 | +₹9,79,046 |
| Age 45 | ₹9,00,000 | ₹20,72,352 | +₹11,72,352 |
| Age 46 | ₹9,60,000 | ₹23,52,182 | +₹13,92,182 |
| Age 47 | ₹10,20,000 | ₹26,61,314 | +₹16,41,314 |
| Age 48 | ₹10,80,000 | ₹30,02,816 | +₹19,22,816 |
| Age 49 | ₹11,40,000 | ₹33,80,078 | +₹22,40,078 |
| Age 50 | ₹12,00,000 | ₹37,96,844 | +₹25,96,844 |
| Age 51 | ₹12,60,000 | ₹42,57,251 | +₹29,97,251 |
| Age 52 | ₹13,20,000 | ₹47,65,869 | +₹34,45,869 |
| Age 53 | ₹13,80,000 | ₹53,27,745 | +₹39,47,745 |
| Age 54 | ₹14,40,000 | ₹59,48,458 | +₹45,08,458 |
| Age 55 | ₹15,00,000 | ₹66,34,167 | +₹51,34,167 |
| Age 56 | ₹15,60,000 | ₹73,91,679 | +₹58,31,679 |
| Age 57 | ₹16,20,000 | ₹82,28,512 | +₹66,08,512 |
| Age 58 | ₹16,80,000 | ₹91,52,973 | +₹74,72,973 |
| Age 59 | ₹17,40,000 | ₹1,01,74,236 | +₹84,34,236 |
| Age 60 | ₹18,00,000 | ₹1,13,02,440 | +₹95,02,440 |
Your contributions build a market-linked corpus until retirement. At normal exit, at least 40% is generally used to purchase an annuity, while the remaining amount can be withdrawn as a lump sum.
The pension depends on the annuity rate available when you purchase it, rather than the return earned while accumulating the NPS corpus.
Under normal NPS exit rules, at least 40% of the corpus is generally used to purchase an annuity. Different rules can apply to smaller corpuses and specific exit cases.
Under current rules, up to 60% of the total NPS corpus withdrawn as a lump sum at normal exit is tax-exempt, subject to applicable conditions.
The pension terms depend on the annuity option and provider selected at purchase. Some products fix the payout for life.
That depends on contributions, returns, costs, asset allocation and time. NPS also has withdrawal and annuitization rules that differ from a mutual-fund SIP.
A Fintoo advisor can help you choose an asset allocation and fund manager, at no extra cost to browse.
