NPS Calculator
Central Govt. matches up to 14% of Basic+DA
10%
Historical: Equity 12–14% · Mixed 9–11% · Conservative 7–9%Estimated Corpus at Retirement
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Your Total Contribution
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Employer Contribution
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Estimated Growth
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Note: Indicative projection only. NPS returns are not guaranteed. Based on historical patterns. Actual returns depend on fund manager performance and market conditions.
Ratni Distributors Pvt. Ltd. · AMFI Registered Mutual Fund Distributor ARN-292768 · Not financial advice · Consult your CA for tax treatment
Use Corpus Projection tab if unknown
6%
Indicative from PFRDA-empanelled ASPsMandatory Split
Minimum Annuity
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Must purchase from PFRDA ASP
Lump Sum / SLW / SUR
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Tax-free. Consult your CA.
Monthly Pension (min annuity)
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Indicative, at selected rate
Scenario Comparison
| Scenario | Annuity Amount | Lump Sum | Monthly Pension |
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Rules (w.e.f. Dec 2025):
— Government: min 40% annuity mandatory at superannuation
— Non-Govt / All Citizens: min 20% annuity mandatory
— Corpus ≤ ₹8 lakh: full lump sum option available
— New options: SLW (Systematic Lump Sum Withdrawal) and SUR (Systematic Unit Redemption)
— Lump sum is tax-free. Annuity income is fully taxable. Please consult your CA.
— Government: min 40% annuity mandatory at superannuation
— Non-Govt / All Citizens: min 20% annuity mandatory
— Corpus ≤ ₹8 lakh: full lump sum option available
— New options: SLW (Systematic Lump Sum Withdrawal) and SUR (Systematic Unit Redemption)
— Lump sum is tax-free. Annuity income is fully taxable. Please consult your CA.
Ratni Distributors Pvt. Ltd. · ARN-292768 · Indicative only · Annuity rates subject to change by ASPs
Exclude employer/government share
Ratni Distributors Pvt. Ltd. · ARN-292768 · Final determination by CRA per PFRDA regulations
6%
Ratni Distributors Pvt. Ltd. · ARN-292768 · Rules per PFRDA Exit Regulations (Dec 2025)
