NPS pension at 60: ₹15,000/month invest karne pe ₹45,000 pension milega
Ek corporate employee NPS ka real calculation dikhata hai ki pension kitni hogi.
5 मिनट पढ़ें
1200 शब्द
1/4/2026
Maine NPS mein ₹15,000/month invest kiya 5 saal se. Employer bhi same match karta. Total: ₹30,000/month. Abhi 32 saal ka hoon. 60 saal tak aur 28 saal bachhe. Calculator ne bataya: pension ₹45,000/month approximate. Lekin yeh guaranteed nahi hai. Market pe depend karta hai. Main hoon Deepak, 32, Noida mein corporate.
उपयोग विधि
My NPS:
Employee contribution: ₹15,000/month
Employer contribution: ₹15,000/month
Total: ₹30,000/month = ₹3,60,000/year
Projected at age 60 (28 years, 10% return):
Total invested: ₹1,00,80,000
Expected corpus: ₹4,20,00,000
Annuity rate (6%): ₹21,000/month pension
60% withdrawal: ₹2,52,00,000 lump sum + ₹12,600/month
Retirement calculator mein:
Agar sirf ₹5,000/month hoti:
Corpus: ₹70,00,000
Pension: ₹3,500/month
Agar ₹20,000/month (employee+employer) hoti:
Corpus: ₹5,60,00,000
Pension: ₹28,000/month
Plus EPF + PPF + other savings:
EPF (₹5,000/month × 28 saal): ~₹55,00,000
PPF (₹1,500/month × 15 saal): ~₹5,00,000
Total retirement corpus: ₹5,15,00,000
Total monthly income at 60: ~₹35,000 + EPF annuity ~₹8,000 = ₹43,000
प्रो टिप्स
Retirement calculator istemal karein. Apna current NPS contribution daalein aur projected pension dekhein.
NPS + EPF + PPF + SIP = four pillar retirement strategy. Kisi ek pe depend mat karo.
Jitna jaldi start utna fayda. 25 saal se start = 35 saal se double corpus.
सामान्य गलतियाँ
Sabse badi galti: NPS ko enough samajhna. NPS sirf ek pillar hai. EPF, PPF aur personal savings bhi chahiye.
Doosri galti: Employer contribution miss karna. Government + employer dono match karte hain. Free money hai.
Teesri galti: NPS ka lock-in samajhna. 60 saal tak nahi nikal sakte. Lekin partial withdrawal (education, illness) allowed hai.