NPS Retirement Corpus Summary
| Monthly NPS Contribution | ₹20,000 |
| Expected Annual Returns | 10% p.a. |
| Start Age | 35 |
| Retirement Age | 60 |
| Investment Period | 25 years (300 months) |
| Total Amount Invested | ₹60,00,000 |
| Wealth Gained | ₹2,07,57,807 |
| Total NPS Corpus | ₹2,67,57,807 |
| Lump Sum (60% — Tax-Free) | ₹1,60,54,684 |
| Annuity Fund (40% — Mandatory) | ₹1,07,03,123 |
Monthly Pension Estimate: The ₹1,07,03,123 annuity fund at 6% annuity rate gives approximately ₹53,516/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 | ₹84,00,000 | ₹7,65,65,534 | ₹4,59,39,320 |
| Start at 30 | 30 years | ₹72,00,000 | ₹4,55,86,506 | ₹2,73,51,904 |
| Start at 35 | 25 years | ₹60,00,000 | ₹2,67,57,807 | ₹1,60,54,684 |
| Start at 40 | 20 years | ₹48,00,000 | ₹1,53,13,938 | ₹91,88,363 |
| Start at 45 | 15 years | ₹36,00,000 | ₹83,58,485 | ₹50,15,091 |
NPS Growth Milestones
| Age | Years Contributed | Total Invested | NPS Value |
|---|---|---|---|
| Age 40 | 5 years | ₹12,00,000 | ₹15,61,648 |
| Age 45 | 10 years | ₹24,00,000 | ₹41,31,040 |
| Age 50 | 15 years | ₹36,00,000 | ₹83,58,485 |
| Age 55 | 20 years | ₹48,00,000 | ₹1,53,13,938 |
| Age 60 | 25 years | ₹60,00,000 | ₹2,67,57,807 |
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 ₹20,000/month from age 35?
Contributing ₹20,000/month from age 35 to 60 (25 years) at 10% returns builds a corpus of ₹2,67,57,807. You can withdraw ₹1,60,54,684 as a tax-free lump sum and use ₹1,07,03,123 to buy an annuity for monthly pension.
How much monthly pension will I get from NPS?
The ₹1,07,03,123 annuity fund (40% of corpus) typically generates ₹53,516–₹62,435/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 ₹20,000 contribution (step-up) could grow your corpus to ₹4,01,36,710+ — a 50% boost. The power of compounding amplifies every additional rupee you invest in your early working years.