PPF Calculator

NPS contributions qualify for 80C (up to ₹1.5L total) + additional ₹50K under 80CCD(1B) — total ₹2L. Employer NPS contributions up to 10% of basic+DA also qualify under 80CCD(2). At retirement, 60% lumpsum is fully tax-free.

Tier I: ₹500 per contribution, ₹1,000 per year minimum. Tier II: ₹250 minimum. No upper cap. You can contribute via monthly, quarterly, or annual modes.

Partial withdrawal (up to 25% of own contribution) allowed after 3 years for specific reasons (housing, medical, education, marriage). Premature exit before 60 forces 80% annuity purchase, only 20% lumpsum.

Historical Tier I returns: Equity (E) 10-12% over 10 years, Corporate bonds (C) 9-10%, Government bonds (G) 8-9%. Default lifecycle fund (LC50) gives blended ~10% over long term.

EPF: 8.25% guaranteed, fully tax-free at withdrawal. NPS: market-linked (8-12%), 40% mandatory annuity. For most salaried employees, both are useful — EPF for stability, NPS for tax-saving + higher equity exposure.

No — it depends on the annuity provider you pick at retirement (LIC, HDFC Life, etc.) and the annuity type (lifetime, with return of corpus, joint life, etc.). Current rates: 5.5-7.5%. Compare across providers at retirement.

Yes. Tier I subscribers can change asset allocation up to 4 times per year (Active Choice). Or pick Auto Choice (LC25 / LC50 / LC75) that auto-rebalances by age.

Nominees receive 100% of the corpus as lumpsum (no annuity purchase forced). Spouses can opt to continue the NPS account in their own name.