NPS is a market-linked retirement product with a compulsory annuity at exit. The corpus figure matters less than what proportion you can actually take as a lump sum.
Compounded monthly at expected return. 60% withdrawable, 40% annuity.
Note. Returns are assumptions, not guarantees. NPS is market-linked.
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Set your monthly contribution and years remaining to retirement.
Apply an expected annual return — NPS is market-linked, so this is an assumption, not a promise.
Compound monthly to age 60 to get the corpus.
At exit, a minimum share must buy an annuity; the balance may be withdrawn as a lump sum.
₹10,000 a month for 25 years at an assumed 10% produces a corpus of roughly ₹1.3 crore, of which at least 40% must be annuitised.
They are different instruments. PPF is fixed-income, guaranteed and fully tax-free at exit. NPS is market-linked with potentially higher returns but a compulsory annuity and taxable pension.
Only in limited circumstances, and premature exit forces a larger share into an annuity.
Garuda HR looks after payroll, attendance, leave and statutory compliance for Indian teams — the same arithmetic, run for you every month, with a full audit trail. We would be glad to show you around.