NPS Retirement Corpus Summary
| Monthly NPS Contribution | ₹15,000 |
| Expected Annual Returns | 10% p.a. |
| Start Age | 30 |
| Retirement Age | 60 |
| Investment Period | 30 years (360 months) |
| Total Amount Invested | ₹54,00,000 |
| Wealth Gained | ₹2,87,89,880 |
| Total NPS Corpus | ₹3,41,89,880 |
| Lump Sum (60% — Tax-Free) | ₹2,05,13,928 |
| Annuity Fund (40% — Mandatory) | ₹1,36,75,952 |
Monthly Pension Estimate: The ₹1,36,75,952 annuity fund at 6% annuity rate gives approximately ₹68,380/month pension for life.
Impact of Starting Age on NPS Corpus
Starting just 5 years earlier makes a dramatic difference:
| Start Age | Years of Contribution | Total Invested | Corpus at 60 | Lump Sum at 60 |
|---|---|---|---|---|
| Start at 25 | 35 years | ₹63,00,000 | ₹5,74,24,151 | ₹3,44,54,491 |
| Start at 30 | 30 years | ₹54,00,000 | ₹3,41,89,880 | ₹2,05,13,928 |
| Start at 35 | 25 years | ₹45,00,000 | ₹2,00,68,355 | ₹1,20,41,013 |
| Start at 40 | 20 years | ₹36,00,000 | ₹1,14,85,454 | ₹68,91,272 |
| Start at 45 | 15 years | ₹27,00,000 | ₹62,68,864 | ₹37,61,318 |
NPS Growth Milestones
| Age | Years Contributed | Total Invested | NPS Value |
|---|---|---|---|
| Age 35 | 5 years | ₹9,00,000 | ₹11,71,236 |
| Age 40 | 10 years | ₹18,00,000 | ₹30,98,280 |
| Age 45 | 15 years | ₹27,00,000 | ₹62,68,864 |
| Age 50 | 20 years | ₹36,00,000 | ₹1,14,85,454 |
| Age 55 | 25 years | ₹45,00,000 | ₹2,00,68,355 |
| Age 60 | 30 years | ₹54,00,000 | ₹3,41,89,880 |
Plan Your NPS Retirement
Adjust monthly contribution, start age, and expected returns to see your personalised retirement corpus.
Use NPS CalculatorFrequently Asked Questions
How much NPS corpus will I build with ₹15,000/month from age 30?
Contributing ₹15,000/month from age 30 to 60 (30 years) at 10% returns builds a corpus of ₹3,41,89,880. You can withdraw ₹2,05,13,928 as a tax-free lump sum and use ₹1,36,75,952 to buy an annuity for monthly pension.
How much monthly pension will I get from NPS?
The ₹1,36,75,952 annuity fund (40% of corpus) typically generates ₹68,380–₹79,776/month at current annuity rates of 6–7% p.a. This is taxable income after retirement.
What is the tax benefit of NPS in India?
NPS offers three layers of tax deduction: (1) ₹1.5L under Section 80C as part of the combined limit, (2) Additional ₹50,000 under Section 80CCD(1B) — exclusively for NPS, over and above 80C, (3) Up to 10% of basic salary contributed by employer under 80CCD(2) is fully deductible.
What happens if I exit NPS before retirement?
If you exit NPS before age 60, you must use 80% of the corpus to buy an annuity (only 20% as lump sum). After age 60, the ratio flips: 60% lump sum (tax-free), 40% mandatory annuity. Partial premature withdrawals (up to 25% of own contributions) are allowed after 3 years for specific purposes.
Should I increase NPS contribution as salary grows?
Yes. Even a 10% annual increase in your ₹15,000 contribution (step-up) could grow your corpus to ₹5,12,84,820+ — a 50% boost. The power of compounding amplifies every additional rupee you invest in your early working years.