एनपीएस कॅल्क्युलेटर
निवृत्तीच्या वेळचा एनपीएस निधी आणि मासिक पेन्शन काढा
निवृत्तीच्या वेळी जमा निधी
₹१,१३,०२,४४०
एक कोटी तेरा लाख दोन हजार चारशे चाळीस रुपये
एकूण गुंतवणूक
₹१८,००,०००
अठरा लाख रुपये
संपत्तीतील वाढ
₹९५,०२,४४०
पंच्याण्णव लाख दोन हजार चारशे चाळीस रुपये
एकरकमी काढता येणारी रक्कम
₹६७,८१,४६४
सदुसष्ट लाख एक्क्याऐंशी हजार चारशे चौसष्ट रुपये
ॲन्युइटी खरेदीची रक्कम
₹४५,२०,९७६
पंचेचाळीस लाख वीस हजार नऊशे शहात्तर रुपये
अंदाजे मासिक पेन्शन
₹२२,६०५/ महिना
बावीस हजार सहाशे पाच रुपये
गुंतवणूक आणि परतावा
निधीची वाढ
| वर्ष | वय | गुंतवणूक | परतावा | निधी |
|---|---|---|---|---|
| १ | ३१ | ₹६०,००० | ₹२,८२८ | ₹६२,८२८ |
| २ | ३२ | ₹१,२०,००० | ₹१२,२३५ | ₹१,३२,२३५ |
| ३ | ३३ | ₹१,८०,००० | ₹२८,९०९ | ₹२,०८,९०९ |
| ४ | ३४ | ₹२,४०,००० | ₹५३,६१२ | ₹२,९३,६१२ |
| ५ | ३५ | ₹३,००,००० | ₹८७,१८५ | ₹३,८७,१८५ |
| ६ | ३६ | ₹३,६०,००० | ₹१,३०,५५७ | ₹४,९०,५५७ |
| ७ | ३७ | ₹४,२०,००० | ₹१,८४,७५२ | ₹६,०४,७५२ |
| ८ | ३८ | ₹४,८०,००० | ₹२,५०,९०५ | ₹७,३०,९०५ |
| ९ | ३९ | ₹५,४०,००० | ₹३,३०,२६९ | ₹८,७०,२६९ |
| १० | ४० | ₹६,००,००० | ₹४,२४,२२५ | ₹१०,२४,२२५ |
हे पूर्णपणे आपल्या ब्राउझरमध्ये चालते. आपण टाइप किंवा अपलोड केलेले काहीही आम्हाला पाठवले जात नाही किंवा साठवले जात नाही.
हे निकाल अंदाजे आहेत, आर्थिक सल्ला नाही. दर, शुल्क आणि नियम बदलत असतात, त्यामुळे निर्णय घेण्यापूर्वी आपली बँक, पोस्ट ऑफिस किंवा आर्थिक सल्लागाराकडून खात्री करून घ्या. वापराच्या अटी
भाषांतर तयार होईपर्यंत खालील मार्गदर्शक इंग्रजीत आहे.
कसे वापरावे
- आपले सध्याचे वय आणि निवृत्तीचे वय (आधीच 60 भरलेले असते) भरा.
- आपले मासिक योगदान भरा. हे एनपीएसमधील आपले स्वतःचे योगदान आहे, आपल्या नियोक्त्याचे नाही.
- अपेक्षित वार्षिक परतावा ठरवा. एनपीएस टियर-I इक्विटी फंडांनी पूर्वी 10 ते 12% परतावा दिला आहे.
- ॲन्युइटी दर (वार्षिक) ठरवा, म्हणजे ॲन्युइटी देणारी कंपनी देत असलेला पेन्शनचा दर (सहसा 5 ते 7%). मग ॲन्युइटी खरेदी % ठरवा. डिसेंबर 2025 च्या PFRDA एक्झिट नियमांनुसार हे प्रमाण सरकारी कर्मचाऱ्यांसाठी किमान 40% आणि इतर सदस्यांसाठी किमान 20% आहे.
- आपण टाइप करताच निवृत्तीच्या वेळी जमा निधी, एकरकमी काढता येणारी रक्कम, ॲन्युइटी खरेदीची रक्कम आणि अंदाजे मासिक पेन्शन बदलतात. वर्षनिहाय तक्ता CSV/Excel फाइल म्हणून किंवा PDF अहवालाचा भाग म्हणून डाउनलोड करता येतो.
What is NPS?
The National Pension System (NPS) is a voluntary, long-term retirement savings scheme regulated by PFRDA (Pension Fund Regulatory and Development Authority). Your contributions are invested in market-linked funds. At retirement, part of the corpus must buy an annuity (a pension): under PFRDA's December 2025 exit rules, at least 40% for government employees and at least 20% for other subscribers. The rest can be taken as a lump sum. This NPS calculator estimates your corpus and monthly pension.
NPS tax benefits
| Section | Benefit | Limit |
|---|---|---|
| 80CCD(1) | Employee/self contribution (within 80C limit) | 10% of salary or ₹1.5L |
| 80CCD(1B) | Additional self contribution (over and above 80C, old regime only) | ₹50,000 extra |
| 80CCD(2) | Employer's contribution | Up to 14% of salary in the new regime, 10% in the old (within the ₹7.5 lakh yearly cap on employer retirement contributions) |
Section numbers are from the Income-tax Act, 1961. The Income-tax Act, 2025, which applies from 1 April 2026, renumbers them.
What you get at retirement
- Lump sum withdrawal: up to 60% of the corpus for government employees and up to 80% for other subscribers (all of it if the corpus is ₹8 lakh or less). Only 60% of the corpus is tax-free; the tax law hasn't been changed to cover the extra 20%.
- Annuity purchase: at least 40% (government employees) or 20% (others) must buy an annuity from an IRDAI-registered insurer. The annuity income is taxed at your slab rate.
- Monthly pension: depends on the annuity amount and the annuity rate on offer when you retire.
NPS vs EPF vs PPF
| Feature | NPS | EPF | PPF |
|---|---|---|---|
| Returns | Market-linked (~10-12%) | Fixed (8.25%) | Fixed (7.1%) |
| Risk | Medium (equity exposure) | Low | Low |
| Lock-in | Till retirement (60) | Till retirement (58) | 15 years |
| Tax at maturity | 60% tax-free | Fully tax-free (5+ years) | Fully tax-free |
नेहमी विचारले जाणारे प्रश्न
Yes, for most people it's one of the better retirement options in India. You get market-linked returns, a pension, and good tax breaks. In the old tax regime there's an extra ₹50,000 deduction under 80CCD(1B) on top of the ₹1.5 lakh 80C limit, which saves ₹15,000 or more if you're in the 30% bracket. Up to 60% of the corpus comes out tax-free at retirement, and fund management charges are among the lowest in India (0.01–0.09% a year). The downsides: at least 20% (40% for government employees) must go into an annuity, which is taxed as income, and the money is mostly locked until 60.
It depends on the mix you choose. Equity (E) funds have given 10–13% CAGR over 10 years, government bonds (G) 7–9% and corporate bonds (C) 8–10%. Alternative assets (A) vary. The auto-choice lifecycle fund cuts equity as you get older. Many advisers suggest 75% in equity if you're under 45, for growth.
Yes, partly, after 3 years and only for set reasons: your children's higher education or marriage, buying or building a house, treatment of a critical illness, or starting a business. Each time you can take out at most 25% of your own contributions (not your employer's). Under the December 2025 rules you get up to four such withdrawals before 60, at least four years apart. If you exit before 60 with a corpus of ₹5 lakh or less, you can withdraw all of it. Above ₹5 lakh, at least 80% must go into an annuity.
Nothing changes; NPS moves with you. Your PRAN (Permanent Retirement Account Number) stays the same whoever your employer is, and your new employer can pay into the same PRAN. If the new employer doesn't offer NPS, you can carry on as an individual subscriber. That makes NPS much easier than EPF for people who switch jobs.