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NPS Calculator: See How Rs 10,000 Monthly Can Earn Rs 76 Lakh in 20 Years
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News18•29-09-2026, 17:15
NPS Calculator: See How Rs 10,000 Monthly Can Earn Rs 76 Lakh in 20 Years
- •Investing Rs 10,000 monthly in NPS for 20 years totals Rs 24 lakh in contributions.
- •At an 8% annual return, this investment could grow to approximately Rs 59 lakh, with Rs 35 lakh from growth.
- •A 10% annual return could boost the corpus to around Rs 76 lakh over 20 years, highlighting the impact of higher returns.
- •Compounding is a key factor, allowing returns to generate further returns, making early investment crucial.
- •NPS investments are market-linked, and the final corpus depends on performance, asset allocation, and withdrawal rules, with part potentially used for an annuity.
Key Questions Answered
Assuming an annualised return of 8%, a monthly investment of Rs 10,000 for 20 years can grow to around Rs 59 lakh, which includes Rs 24 lakh in total contributions and roughly Rs 35 lakh in investment growth.
At an assumed annualised return of 10%, a monthly contribution of Rs 10,000 can grow to approximately Rs 76 lakh over a 20-year investment period.
No, the entire corpus cannot automatically be withdrawn as a lump sum because it is subject to NPS withdrawal and annuity rules, where a portion must be used to purchase an annuity for a regular pension.
