Sigma Tech India · Banking

NPS, corpus, lump-sum, and pension.

National Pension System. Monthly contribution + expected market return + annuity allocation → corpus at 60, tax-free lump-sum (up to 60%), and the monthly pension on the annuity portion. ₹50,000 additional deduction under Section 80CCD(1B).

01 Contributions & Returns

Tier-I account · withdrawal only at 60 or on exit.

Monthly Contribution
₹
Current Age
yr
Retirement Age60–75
yr
Expected Returnp.a.
%
Annuity Ratepost-retirement
%
Annuity Allocation% locked for pension · min 40%
%
Subscriber Nameprints on PDF · optional

02 Retirement Outcome

Lump-sum is tax-free up to 60%; pension is taxable at slab.

Total NPS Corpus
₹0
— years contribution
Tax-Free Lump-Sum
₹0
60 % withdrawal
Monthly Pension
₹0
From annuity portion

Build-up

ParticularsAmountNote
Total Contribution——
Market Returns——
Total Corpus—tax-free build-up
Lump-Sum Withdrawal—tax-free
Annuity Corpus—locked for pension
Monthly Pension (Indicative)—taxable at slab
Section 80CCD(1B) gives ₹50,000 deduction over and above the ₹1.5L 80C limit, exclusive to NPS. — sigmatechind.com
Σ

Sigma Tech India

Banking Toolkit · NPS
Engineered in India · sigmatechind.com
Report Date—
ReferenceNPS-—
Page1 of 1
NPS · Retirement Projection

NPS Retirement Projection

Prepared for valued subscriber.

Total Corpus
₹0
Lump-Sum (Tax-Free)
₹0
Monthly Pension
₹0

Projection

About NPS. At retirement (typically age 60), the subscriber can withdraw up to 60% of the corpus as a tax-free lump-sum. The remaining 40% (or more) must be used to purchase an annuity from a PFRDA-empanelled annuity service provider; the resulting pension is taxable at slab rate. Tax benefits: ₹1.5L under 80C, additional ₹50,000 under Section 80CCD(1B), and employer contributions deductible without ceiling under 80CCD(2).
@ Powered by Sigmatechind.com | All Rights Reserved