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NPS Calculator for India

India NPS All Citizen common scheme, joined before60 and already eligible for normal exit after15years subscription or age60, per March2026 PFRDA FAQ. Option0 allocates80% lump sum/20% annuity;1 full withdrawal onlyAPW≤8lakh;2/3 forAPW>8lakh to12lakh allocate max6lakh lump sum, remainder toSUR or annuity. No invented SUR payout schedule. Annuity output uses an actual provider-quoted payout ratio, not a guaranteed return. Excludes tax, government sector, post60 entrants, premature exit and special-purpose schemes.

India NPS All Citizen common scheme, joined before60 and already eligible for normal exit after15years subscription or age60, per March2026 PFRDA FAQ. Option0 allocates80% lump sum/20% annuity;1 full withdrawal onlyAPW≤8lakh;2/3 forAPW>8lakh to12lakh allocate max6lakh lump sum, remainder toSUR or annuity. No invented SUR payout schedule. Annuity output uses an actual provider-quoted payout ratio, not a guaranteed return. Excludes tax, government sector, post60 entrants, premature exit and special-purpose schemes.

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Result

Enter your values and run the tool to see your result.

How to use this tool

Check the units, enter your values, and run the tool. Results follow the assumptions and method below.

Calculation method

Maximum lump-sum allocation INR(option == 0 ? wealth*0.8 : (option == 1 ? wealth : min(600000,wealth)))
Minimum annuity purchase INR(option == 0 ? wealth*0.2 : (option == 3 ? wealth-min(600000,wealth) : 0))
Capital reserved for SUR over at least6years INRoption == 2 ? wealth-min(600000,wealth) : 0
Monthly annuity at supplied quote INR(option == 0 ? wealth*0.2 : (option == 3 ? wealth-min(600000,wealth) : 0))*annuityQuote/1200

References