NPS Pension Calculator for Govt Employees
Calculate retirement corpus, pension, and lump sum under National Pension System
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Min 40% corpus must be used to purchase annuity
Estimated Monthly Pension
₹56,922/month
Total Corpus
284.6L
* Projections are indicative. Actual NPS returns depend on market performance of chosen fund. Govt contribution is 14% of Basic+DA since April 2019.
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Frequently Asked Questions
Employee contributes 10% and the Government contributes 14% of (Basic Pay + DA) every month to NPS. Both contributions go into the NPS Tier-I account.
Partial withdrawals (up to 25% of own contributions) are allowed after 3 years for specific purposes like housing, education, medical treatment, and disability. Full withdrawal is allowed only at age 60.
At retirement, you must use at least 40% of the corpus to buy an annuity. Monthly pension depends on corpus size, annuity purchase %, and annuity rate (typically 5–7% p.a.).
OPS guarantees 50% of last basic pay as pension with DA — it is more predictable. NPS is market-linked so returns can be higher but are not guaranteed. Employees who joined before January 1, 2004 are under OPS.