How much of my NPS corpus can I withdraw as a lump sum?

Current rules require at least 40% of the corpus to be used to buy an annuity at retirement; the remaining portion (up to 60%) can typically be withdrawn as a lump sum, subject to PFRDA rules in effect at the time.

Is NPS return guaranteed?

No — NPS returns depend on market performance of the chosen fund allocation (equity, corporate bonds, government securities), so actual returns will vary from the assumed rate used here.

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NPS Calculator

Estimate the retirement corpus a National Pension System contribution could build, and the lump sum vs. monthly pension split.

Contribution details

Monthly contribution ₹5,000

Current age 30 yrs

Expected annual return 10%

Corpus used for annuity 40%

Expected annuity rate 6%

At retirement (age 60)

Total corpus

₹0

Total contributed₹0

Lump sum withdrawal₹0

Annuity purchase amount₹0

Estimated monthly pension₹0

Assumes contributions stop and the corpus is annuitised at age 60. Actual NPS rules allow partial withdrawal and staggered exit — check the latest PFRDA guidelines.

How this estimate works

NPS builds a corpus the same way a SIP does — monthly contributions compounding until retirement at 60. At exit, current rules require at least 40% of the corpus to go into an annuity that pays a monthly pension, while the rest can typically be withdrawn as a lump sum.

Corpus = P × [ ((1+i)ⁿ − 1) / i ] × (1+i)
P = monthly contribution, i = expected monthly return, n = months to age 60 Monthly pension ≈ (Corpus × Annuity%) × Annuity rate ÷ 12

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Figures are estimates for planning purposes only and do not constitute financial advice. NPS rules on withdrawal and annuitisation can change — confirm current rules with PFRDA or your NPS provider.