Finance Formula • Published on September 01, 2026 • Last updated September 01, 2026
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Total accumulated wealth at retirement (maturity corpus)
Periodic contribution amount (monthly investment)
Expected monthly rate of return (Annual Return / 12 / 100)
Total number of monthly contributions (Years to retirement x 12)
Monthly pension amount received from the annuity purchase
The National Pension System (NPS) is a voluntary, long-term retirement savings scheme designed to enable systematic savings. Upon maturity at age 60, a portion of the corpus is paid as a lump sum, and the remaining must be invested in an annuity to provide a regular monthly pension.
No, you can withdraw up to 60% of the corpus as a tax-free lump sum. The remaining 40% must be used to purchase an annuity to receive a monthly pension.
NPS offers an additional deduction of up to INR 50,000 under Section 80CCD(1B), over and above the INR 1.5 Lakh limit of Section 80C.
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