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NPS

National Pension System: build a corpus until 60, then take part as a lump sum and turn the rest into a pension.

NPS at 60

Your NPS reaches ₹3.32Cr at 60

Take ₹2.66Cr as a lump sum (₹1.99Cr of it tax-free) and put ₹66.4L into an annuity paying about ₹35,953 a month for life.

₹
₹
%
yrs
%
Depends on your equity share: roughly 8% for mostly bonds, 11% for mostly equity.
₹
%
At least 20% for non-government subscribers.
%
Yearly pension as % of the amount used.
Lump sum
₹2.66Cr
₹1.99Cr tax-free
Monthly pension
₹36K
from ₹66.4L
You put in
₹79.7L

NPS corpus by age

Deciding how to split it at 60? Use the NPS annuity vs lump sum calculator.

Your age
Show the numbers as a table
NPS corpus by age: data
AgeContributedCorpus
30₹0₹0
31₹1,20,000₹1,26,405
32₹2,46,000₹2,71,772
33₹3,78,300₹4,38,311
34₹5,17,215₹6,28,472
35₹6,63,076₹8,44,965
36₹8,16,230₹10,90,791
37₹9,77,041₹13,69,265
38₹11,45,893₹16,84,057
39₹13,23,188₹20,39,221
40₹15,09,347₹24,39,239
41₹17,04,814₹28,89,064
42₹19,10,055₹33,94,166
43₹21,25,558₹39,60,589
44₹23,51,836₹45,95,004
45₹25,89,428₹53,04,778
46₹28,38,899₹60,98,044
47₹31,00,844₹69,83,775
48₹33,75,886₹79,71,876
49₹36,64,680₹90,73,273
50₹39,67,914₹1,03,00,021
51₹42,86,310₹1,16,65,414
52₹46,20,626₹1,31,84,116
53₹49,71,657₹1,48,72,296
54₹53,40,240₹1,67,47,783
55₹57,27,252₹1,88,30,231
56₹61,33,614₹2,11,41,307
57₹65,60,295₹2,37,04,894
58₹70,08,310₹2,65,47,312
59₹74,78,725₹2,96,97,569
60₹79,72,662₹3,31,87,627
How this is calculated

Contributions go in at the start of each month and grow at the monthly version of a 10% return, rising 5% a year. At 60, at least 20% buys an annuity; the rest can be taken as a lump sum.

pension = annuity corpus × 6.5% ÷ 12
tax-free lump sum = up to 60% of the corpus

Exit rules follow the December 2025 amendment for non-government subscribers; corpora up to ₹8 lakh can be withdrawn in full. Government employees keep a 60% lump-sum cap. Your own contributions get up to ₹50,000 of 80CCD(1B) deduction in the old regime; your employer’s are deductible in both.