NPS calculator
Minimum 20% required if corpus exceeds ₹8 lakh; full withdrawal allowed below that.
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Illustrative NPS corpusA scheme-specific estimate is unavailable for these details
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Scheme details & suitability
Brief
Voluntary, market-linked retirement savings account regulated by PFRDA.
Tenure
Until age 60, extendable to 75.
Eligibility
Indian citizens aged 18–70 at joining.
Min investment₹500 to open · ₹1,000/year
Max investmentNo upper limit
ReturnsMarket-linked, not fixed
Tax benefitDepends on taxpayer, regime and eligible contributions; not calculated here
Tax on exitTax treatment depends on applicable law and individual facts; not calculated here
Withdrawal rulesDepends on exit type, corpus and subscriber model; see the rule-specific result below
Pros
- Market-linked growth potential over the long term
- Contribution tax relief may apply if eligibility and regime requirements are met
- Portable across jobs, employers and locations
Cons
- Market risk — returns are not guaranteed
- Largely locked in until age 60
- Annuity income is taxable as regular income
Illustrative projection only. Not financial, tax or exit advice. Current exit rules are held constant for this future scenario; confirm eligibility, provider terms and tax treatment before an exit decision.