Project your National Pension System corpus at retirement, and see how it splits between lump-sum withdrawal and mandatory annuity under the latest PFRDA exit rules.
At normal exit (age 60+), PFRDA's December 2025 rules apply based on corpus size: corpus up to ₹8 lakh can be withdrawn 100% as lump sum; between ₹8–12 lakh, up to ₹6 lakh can be withdrawn with the remainder going to annuity/SUR; above ₹12 lakh, the standard 80% lump sum / 20% annuity split applies (the mandatory annuity share was reduced from 40% to 20%).
Only up to 60% of the total corpus is tax-exempt under Section 10(12A) — the calculator shows the split, but confirm the tax treatment of your specific case with an advisor. This is a projection based on your assumed return, not a guarantee.
Under the 2026 rules, up to 100% if your corpus is ₹8 lakh or less, and up to 80% if your corpus exceeds ₹12 lakh — the rest must go toward an annuity.
Only up to 60% of the total corpus is exempt under Section 10(12A); any additional lump sum permitted under the new PFRDA rules beyond that may be taxed at your slab rate.
NPS returns depend on your chosen asset allocation (equity/corporate bonds/government securities). A commonly used long-term planning estimate is 9–11% p.a., but actual returns vary with market performance.