NPS Calculator — ₹5000 per Month
Investing ₹5000/month in NPS from age 30 to 60 grows to ₹1.14 Cr. See lumpsum and pension. Free, instant.
Quick answer
A monthly contribution of ₹5000 to the National Pension System (NPS) from age 30 to 60, assuming a 10% expected return, builds a corpus of about ₹1.14 Cr. With the mandatory 40% annuity at a 6% rate, you'd get a tax-free lumpsum of roughly ₹68.38 L and a monthly pension of ₹22,793.
Regulations mandate min. 40% of corpus into annuity.
Corpus at retirement
₹1,13,96,627
- Lumpsum
- ₹68,37,976
- Annuity buy
- ₹45,58,651
- Monthly pension
- ₹22,793
- Total invested
- ₹18,00,000
Lumpsum vs annuity
- Lumpsum60.0%
- Annuity40.0%
Frequently asked questions
Small savings scheme rates — Q2 FY 2025-26
| PPF (Q2 FY26) | 7.10% |
| SSY (Q2 FY26) | 8.20% |
| NSC (Q2 FY26) | 7.70% |
| SCSS (Q2 FY26) | 8.20% |
| KVP (Q2 FY26) | 7.50% (matures in 115 mo) |
Indicative rates compiled from public bank websites, RBI, and the Ministry of Finance for reference only. Actual rates depend on credit profile, tenure and product variant — confirm with the lender before applying.
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