NPS Calculator
NPS me har mahine thoda paisa daal kar 60 saal ki umar par ek bada corpus banta hai — jiska ek hissa haath me milta hai aur baaki se mahine ki pension banti hai. Ye calculator teeno cheezein alag-alag dikhata hai: kul corpus, lumpsum aur anumanit pension.
Hisaab lagaiye
Formula aur uska matlab
Aapka har mahine ka contribution 60 saal ki umar tak nivesh me rehta hai aur compounding se badhta hai. 60 par niyam ke mutabik kam se kam 40% se annuity kharidni hoti hai, jo mahine ki pension deti hai; baaki 60% tak lumpsum nikala ja sakta hai. Pension ka size annuity dar par nirbhar karta hai, jo insurance company tay karti hai.
Pension = (Corpus × 40%) × annuity dar ÷ 12
Teen misaal, asli number ke saath
Misaal 1 — jaldi shuruaat. Umar 24, ₹6,000 har mahine, 9% return, 12% annuity dar. 60 saal par corpus lagbhag ₹1.95 crore, lumpsum ₹1.17 crore aur anumanit pension ₹78,000 mahina.
Misaal 2 — 35 se shuruaat. ₹6,000 mahina, 9% return, umar 35. Corpus lagbhag ₹64 lakh — yaani sirf 11 saal der se shuru karne par teen-chauthai corpus kam ho gaya.
Misaal 3 — aam contribution. ₹5,000 mahina, umar 30, 10% return. Corpus lagbhag ₹1.13 crore, aur 6% annuity par pension kareeb ₹22,600 mahina.
Sabse aam galtiyan
- Der se shuru karna. NPS me umar ka asar sabse bada hai. 5 saal der se shuru karne par corpus 30-40% tak kam ho jaata hai.
- Annuity dar zyada maan lena. Kai calculator 8-10% annuity dar maan lete hain. Asli me ye aam taur par kaafi kam hoti hai. 5-7% maan kar chalna zyada imaandaar hai.
- Ye bhool jaana ki pension par tax lagta hai. Lumpsum par chhoot milti hai, par mahine ki pension aapki income me judti hai aur slab ke hisaab se tax lagti hai.
- Poora paisa surakshit option me rakhna. Bahut kam umar me poora paisa government bond me rakhne se return kam ho jaata hai. Umar ke hisaab se equity ka hissa chunein.
- Lock-in samajhe bina lagana. NPS ka paisa aam taur par 60 saal se pehle poora nahi nikalta. Jise 5-10 saal me chahiye, uske liye ye theek nahi.
Bharat me kya alag hai
- Tier-1 aur Tier-2: Tier-1 pension khaata hai, lock-in ke saath. Tier-2 khula khaata hai jisme tax chhoot nahi milti.
- Tax chhoot: Old Regime me 80C ke andar aur 80CCD(1B) me alag se ek limit tak chhoot milti hai. New Regime me employer wala hissa hi kaam aata hai.
- Fund manager: Kai PFM me se chunav kar sakte hain aur saal me badal bhi sakte hain.
- Auto vs Active: Auto choice umar ke hisaab se equity apne aap ghata deta hai. Active me aap khud hissa tay karte hain.
- Verify karein: Niyam aur chhoot ki seema badalti rehti hai — apply se pehle official NPS/income tax site par dekh lein.
Ye tools bhi kaam ke hain
Maturity par paisa kaise milta hai — 60% aur 40%
NPS ka corpus poora haath me nahi aata. 60 saal par ek hissa ekmusht milta hai aur baaki se pension khareedni hoti hai. Isi wajah se corpus se pension ka anuman alag lagta hai.
| Corpus 60 par | Ekmusht (60%) | Annuity (40%) | ~Pension/mahina (6% par) |
|---|---|---|---|
| ₹50 lakh | ₹30 lakh | ₹20 lakh | ~₹10,000 |
| ₹1 crore | ₹60 lakh | ₹40 lakh | ~₹20,000 |
| ₹2 crore | ₹1.2 crore | ₹80 lakh | ~₹40,000 |
Aksar pooche jaane wale sawaal
NPS me kitni pension milegi?
Ye corpus aur annuity dar dono par nirbhar hai. Calculator ek anuman deta hai — asli number annuity kharidne ke din tay hota hai.
60 saal se pehle paisa nikal sakte hain?
Sirf khaas halaton me aur seemit hissa. Poori nikasi aam taur par 60 par hi hoti hai.
Kya NPS ka return pakka hai?
Nahi. NPS market se juda hai, isliye return upar-neeche hota rehta hai.
Kitna kam se kam daalna hota hai?
Tier-1 khaata chalu rakhne ke liye saal me ek nyoontam rakam daalni hoti hai.
NPS ya PPF — kaunsa behtar?
PPF ka return tay aur tax-free hai. NPS ka return zyada ho sakta hai par pension par tax lagta hai. Bahut log dono rakhte hain.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Rules badalte rehte hain, isliye bade faisle se pehle seedha yahan ek baar dekh lein: