• Start at 25 and Retire at 60 (35 years residency) 


Absolute Contribution – Rs 17.5 lac

Absolute NPS Corpus – Rs 1.49 crore

40% utilized for Annuity Purchase – Rs 59.6 lac

60% Lumpsum Tax Free Payout – Rs 89.4 lac

Month to month Pension from Annuity – Rs 29-30,000 every (prior month charges)


  • Start at 30 and Retire at 60 (30 years residency) 


Complete Contribution – Rs 15.0 lac

Complete NPS Corpus – Rs 90.5 lac

40% utilized for Annuity Purchase – Rs 36.2 lac

60% Lumpsum Tax Free Payout – Rs 54.3 lac

Month to month Pension from Annuity – Rs 18,000 every (prior month charges)


  • Start at 35 and Retire at 60 (25 years residency) 


Complete Contribution – Rs 12.5 lac

Complete NPS Corpus – Rs 54.1 lac

40% utilized for Annuity Purchase – Rs 21.6 lac

60% Lumpsum Tax Free Payout – 5 lac

Month to month Pension from Annuity – Rs 10-11,000 every (prior month charges)


  • Start at 40 and Retire at 60 (20 years residency) 


All out Contribution – Rs 10.0 lac

All out NPS Corpus – Rs 31.5 lac

40% utilized for Annuity Purchase – Rs 12.6 lac

60% Lumpsum Tax Free Payout – Rs 18.9 lac

Month to month Pension from Annuity – Rs 6300 every (prior month charges)