NPS Corpus Table India

How to Read the NPS Corpus Table

This pre-computed NPS corpus table shows how much wealth you can accumulate by retirement based on your monthly contribution amount. The first column shows the monthly contribution, and subsequent columns display the total corpus, lump sum withdrawal (60%), and estimated monthly pension for different starting ages and return scenarios.

To find your projected corpus: (1) Select the expected return rate from the dropdown based on your NPS asset allocation — conservative investors with more debt allocation should use 8-10%, while aggressive investors with higher equity should use 10-14%. (2) Find your monthly contribution in the first column. (3) Read across to see the corpus at retirement age 60 for your starting age. The pension column assumes a 40% annuity allocation at 6% return, which is the minimum annuity requirement under NPS rules.

Why Use a Pre-computed NPS Table?

Planning for retirement requires comparing multiple scenarios quickly. A pre-computed table lets you see the impact of different contribution amounts side by side without entering values repeatedly. Financial advisors and HR teams use such tables to help employees decide their optimal NPS contribution level based on their retirement goals.

The table reveals the dramatic effect of compounding over time. For instance, at 10% return, starting NPS at age 25 versus age 35 with the same Rs 10,000/month contribution can more than double your retirement corpus — an extra 10 years of compounding makes that much difference. This visual comparison motivates early investing and helps set realistic contribution targets.

You can export the complete table as a CSV file for offline analysis, financial planning meetings, or to share with your tax advisor during tax-saving season.