At 60 (or superannuation) at least 40% of your NPS pension wealth buys an annuity that pays a monthly pension; the rest can be withdrawn as a lump sum.
Corpus at 60: ₹81,74,069.87
Your answer
Corpus at 60₹81,74,069.87
Monthly pension₹16,348.14
Lump sum you can withdraw
₹49,04,441.92
Used for the annuity
₹32,69,627.95
Contributions
₹28,63,625.93
Balance at the end of each year
Deposits
Interest earned
Show the numbers
Balance at the end of each year
Year
Deposits
Interest earned
1
₹60,000.00
₹2,436.49
2
₹1,23,000.00
₹10,614.10
3
₹1,89,150.00
₹25,325.60
4
₹2,58,607.50
₹47,448.95
5
₹3,31,537.88
₹77,955.61
6
₹4,08,114.77
₹1,17,919.67
7
₹4,88,520.51
₹1,68,527.91
8
₹5,72,946.53
₹2,31,090.66
9
₹6,61,593.86
₹3,07,053.81
10
₹7,54,673.55
₹3,98,011.91
11
₹8,52,407.23
₹5,05,722.39
12
₹9,55,027.59
₹6,32,121.29
13
₹10,62,778.97
₹7,79,340.28
14
₹11,75,917.92
₹9,49,725.39
15
₹12,94,713.82
₹11,45,857.38
16
₹14,19,449.51
₹13,70,574.08
17
₹15,50,421.98
₹16,26,994.76
18
₹16,87,943.08
₹19,18,546.76
19
₹18,32,340.23
₹22,48,994.56
20
₹19,83,957.25
₹26,22,471.59
21
₹21,43,155.11
₹30,43,514.93
22
₹23,10,312.86
₹35,17,103.21
23
₹24,85,828.51
₹40,48,698.04
24
₹26,70,119.93
₹46,44,289.18
25
₹28,63,625.93
₹53,10,443.94
Returns are not guaranteed; they depend on your schemes. Small corpora can be withdrawn in full under PFRDA’s exit rules.
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How we worked it out
Updated as you change the numbers.
Contributions grow at 9% a year for 25 years.
At 60: 40% buys an annuity at 6%; the rest is a lump sum.
Method and assumptions
PFRDA exit rules for the corporate model: a minimum of 40% of accumulated pension wealth is used for a monthly annuity or pension, and the remaining 60% may be paid to the subscriber; more than 40% may be annuitised. The exit rules were amended in December 2025.
Questions
What pension does ₹5,000 a month for 25 years give?
About ₹16,348 a month from a corpus of ₹81.74 lakh, with 9% returns, 5% yearly increases and 40% annuitised at 6%; the other ₹49.04 lakh can be withdrawn.
Method and figures checked on November 2, 2026. Every worked answer on this page is covered by an automated test. Found a mistake? Tell us.
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