QuickCalcy money guide
NPS Withdrawal Rules 2026 Guide
NPS planning is not only about building a corpus. Exit rules, lump-sum withdrawal and annuity purchase assumptions decide how the final number becomes usable income.
Why rules matter
NPS exit treatment can differ by subscriber category, age, corpus size and the rules applicable at the time of exit. A calculator can show the mechanics of corpus, lump sum and annuity allocation, but the final action should always be checked against current official rules and provider documents.
How QuickCalcy models NPS
The calculator projects monthly contributions to a future corpus, then splits that corpus between lump sum and annuity. Gross monthly pension is estimated by applying the selected annuity rate to the annuity corpus and dividing by twelve.
Example calculation
If a projected NPS corpus is ₹1 crore and 40% is used for annuity, ₹40 lakh becomes the annuity base. At a 6% gross annuity assumption, estimated pension is about ₹20,000 per month before tax and provider-specific terms.
Important limitations
- NPS returns are market-linked, not fixed interest.
- Annuity rates vary by provider and option.
- Tax treatment and exit rules can change.
- The calculator does not replace a CRA statement or official PFRDA guidance.
Searches this guide helps answer
Common searches include calculation of NPS, NPS corpus calculation, NPS withdrawal rules 2026, NPS annuity calculation, and NPS monthly pension estimate.