NPS Calculator
Monthly NPS contribution daalo — 60 ki umar pe total corpus, lump sum aur estimated monthly pension ka hisaab turant.
How to use — NPS Calculator
- Apni current age aur monthly NPS contribution daalo.
- Expected return set karo — NPS equity-debt mix historically 9–11% deta aaya hai.
- Kitna % annuity (pension) me daloge choose karo — minimum 40% zaroori hai.
- Calculate dabao — corpus, tax-free lump sum aur monthly pension estimate dikh jayega.
FAQ
NPS me 60 pe paisa kaise milta hai?
Corpus ka minimum 40% annuity (pension plan) me daalna zaroori hai jo monthly pension deta hai. Baaki 60% tak lump sum tax-free nikal sakte ho.
Monthly pension kaise estimate hoti hai?
Annuity amount × annuity rate (~6% per year) ÷ 12. E.g. ₹40 lakh annuity me = ₹40L × 6% ÷ 12 = ₹20,000/month approx. Asli rate annuity provider pe depend karta hai.
NPS pe tax benefit kya hai?
Old regime me 80CCD(1B) ke under ₹50,000 extra deduction (80C ke 1.5L ke upar). Employer contribution 80CCD(2) me dono regimes me deductible hai (basic ka 10–14% tak).
Kya NPS se pehle paisa nikal sakte hain?
Partial withdrawal (25% tak, specific reasons) 3 saal baad allowed hai. 60 se pehle exit karne pe 80% corpus annuity me daalna padta hai — isliye NPS ko retirement ke liye hi rakho.