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Work out what the National Pension System will build by the time you turn 60 — the total corpus, the tax-free lump sum, the annuity you must buy and the monthly pension it pays for life. Adjust your equity mix and annuity split to see the trade-off instantly.
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Equity capped at 75% at your age
Government securities take whatever is left after equity and corporate bonds.
80CCD(1) + 80CCD(1B), old regime
The National Pension System is a voluntary, defined-contribution retirement account regulated by the PFRDA. Any Indian citizen aged 18 to 70 can open one. Your contributions are invested by a pension fund manager of your choice across four asset classes, and the accumulated corpus funds your retirement.
Because it is a market-linked product, there is no guaranteed return — the outcome depends on your asset mix and how markets behave over your working life. What makes NPS distinctive is its cost: fund management charges are among the lowest of any regulated investment product in India, which compounds meaningfully over a 25 to 35 year horizon.
NPS is the only investment that carries a dedicated deduction beyond the ₹1.5 lakh Section 80C ceiling. Under the new tax regime, only the employer contribution under 80CCD(2) survives.
Under Active Choice you set the split yourself, within the regulatory caps. Under Auto Choice the mix shifts from equity to debt automatically as you age.
Index and large-cap stocks. The growth engine, and the most volatile sleeve.
Bonds issued by companies and PSUs. Higher yield than gilts with modest credit risk.
Central and state government bonds. The safest sleeve, sensitive to interest rates.
REITs, InvITs and AIFs. A small satellite allocation for diversification.
Your pension depends on the corpus you build and how much of it buys an annuity. Contributing ₹10,000 a month from age 30 to 60 at a 10% blended return builds about ₹2.28 crore. Annuitising the minimum 40% at a 6% annuity rate yields roughly ₹45,500 a month for life, alongside a tax-free lump sum of about ₹1.37 crore.