NPS Calculator (National Pension System)

NPS Tax Benefits

NPS Withdrawal Rules

• At Retirement (60 years): 60% lump sum (tax-free) + 40% mandatory annuity
• Premature Exit (before 60): 80% must go to annuity if corpus is below ₹2.5L
• Partial Withdrawal: Up to 25% of own contribution for specific purposes (education, marriage, home purchase, medical)
• Equity Cap: Maximum 75% in equity till age 50, then gradually reduces to 50% by age 60