NPS = ₹50,000 extra tax deduction (80CCD 1B) above ₹1.5L 80C limit। 30% slab = ₹15,600/year बचत। Most people नहीं जानते।
NPS Returns — Calculate!
Corpus + pension + tax savings।
Tax Benefits
| Section | Deduction | Regime |
|---|---|---|
| 80CCD(1B) | ₹50,000 extra | Old only |
| 80CCD(2) Employer | 10-14% Basic | Both regimes! |
Expected Returns
| Asset Class | 10-Yr Return |
|---|---|
| Equity (E) | 12-14% |
| Corporate Bond (C) | 9-10% |
| Govt Bond (G) | 9-10% |
75% equity allocation recommended under 40 age।
Maturity Rule
60 पर: 60% lump sum (tax-free) + 40% annuity (pension)। Annuity rate ~6-7%।
How to Use the Tool (Step by Step)
- 1
Monthly contribution
NPS investment amount।
- 2
Current age
Matures at 60।
- 3
Return rate
9-12% allocation based।
- 4
Corpus + pension
Lump sum 60% + pension 40%।
Frequently Asked Questions
NPS vs PPF?+−
PPF: 7.1% guaranteed, tax-free। NPS: 9-12% expected, extra ₹50K deduction। Both करो — PPF ₹1.5L + NPS ₹50K।
New regime में?+−
80CCD(1B) old only। But employer contribution (80CCD 2) both regimes available।
Before 60 withdraw?+−
Partial 25% after 3 years (specific reasons)। Full exit 5 years बाद — but 80% annuity (unfavorable)।
Death?+−
Nominee को full corpus lump sum। No annuity mandatory। Tax-free।
Related Guides
PPF Calculator — Maturity & Tax Saving (2026)
₹1.5 lakh/year → ₹40+ lakh 15 years में। 80C tax benefit।
Mutual Fund Calculator — SIP & Lumpsum Returns (2026)
₹5,000 SIP × 20 years @ 12% = ₹49.5 lakh। Calculate करो।