InvestmentsFY 2026-27 (AY 2027-28)
NPS Calculator
Project your National Pension System corpus at age 60: tax-free lumpsum + monthly pension via mandatory annuity. Includes ₹50,000 80CCD(1B) tax saving.
Your NPS plan
Your marginal slab rate
NPS corpus at age 60
₹1.14 Cr
Lumpsum: ₹68.38 L · Pension: ₹22,793/mo
Total contribution
₹18.00 L
Corpus
₹1.14 Cr
Lumpsum (tax-free)
₹68.38 L
Annuity corpus
₹45.59 L
Monthly pension
₹22,793
Taxable as income
Annual tax saved (80CCD(1B))
₹15,600
@ 30% slab
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At age 60, minimum 40% of corpus must be used to purchase an annuity (taxable monthly pension). Up to 60% can be withdrawn lumpsum (tax-free). 80CCD(1B) gives an additional ₹50,000 deduction over and above 80C — available in OLD regime only.
FAQs
Frequently asked questions
Can I withdraw NPS fully at 60?+
No. SEBI/PFRDA mandates at least 40% of corpus to buy an annuity from an empanelled insurer. The annuity provides monthly pension (taxable as income from other sources).
Is NPS contribution tax-deductible in new regime?+
Only employer's NPS contribution u/s 80CCD(2) — up to 14% of basic+DA for govt, 10% for private — is allowed in BOTH regimes. Your own ₹50K under 80CCD(1B) is OLD regime only.
What's a realistic NPS return?+
Depends on asset allocation. Active choice with E (equity) at 75% historically delivered 10-12% CAGR. C (corporate bonds) and G (govt securities) ~7-8%. Auto choice rebalances down with age.
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