NPS Retirement Corpus Summary
| Monthly NPS Contribution | ₹2,000 |
| Expected Annual Returns | 10% p.a. |
| Start Age | 30 |
| Retirement Age | 60 |
| Investment Period | 30 years (360 months) |
| Total Amount Invested | ₹7,20,000 |
| Wealth Gained | ₹38,38,651 |
| Total NPS Corpus | ₹45,58,651 |
| Lump Sum (60% — Tax-Free) | ₹27,35,191 |
| Annuity Fund (40% — Mandatory) | ₹18,23,460 |
Monthly Pension Estimate: The ₹18,23,460 annuity fund at 6% annuity rate gives approximately ₹9,117/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 | ₹8,40,000 | ₹76,56,553 | ₹45,93,932 |
| Start at 30 | 30 years | ₹7,20,000 | ₹45,58,651 | ₹27,35,191 |
| Start at 35 | 25 years | ₹6,00,000 | ₹26,75,781 | ₹16,05,469 |
| Start at 40 | 20 years | ₹4,80,000 | ₹15,31,394 | ₹9,18,836 |
| Start at 45 | 15 years | ₹3,60,000 | ₹8,35,849 | ₹5,01,509 |
NPS Growth Milestones
| Age | Years Contributed | Total Invested | NPS Value |
|---|---|---|---|
| Age 35 | 5 years | ₹1,20,000 | ₹1,56,165 |
| Age 40 | 10 years | ₹2,40,000 | ₹4,13,104 |
| Age 45 | 15 years | ₹3,60,000 | ₹8,35,849 |
| Age 50 | 20 years | ₹4,80,000 | ₹15,31,394 |
| Age 55 | 25 years | ₹6,00,000 | ₹26,75,781 |
| Age 60 | 30 years | ₹7,20,000 | ₹45,58,651 |
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 ₹2,000/month from age 30?
Contributing ₹2,000/month from age 30 to 60 (30 years) at 10% returns builds a corpus of ₹45,58,651. You can withdraw ₹27,35,191 as a tax-free lump sum and use ₹18,23,460 to buy an annuity for monthly pension.
How much monthly pension will I get from NPS?
The ₹18,23,460 annuity fund (40% of corpus) typically generates ₹9,117–₹10,637/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 ₹2,000 contribution (step-up) could grow your corpus to ₹68,37,976+ — a 50% boost. The power of compounding amplifies every additional rupee you invest in your early working years.