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കേരള സർക്കാർ ജീവനക്കാർ
HomeNPS Corpus Calculator
National Pension System · Kerala Government

NPS Corpus Calculator — Kerala Government Employees

Estimate your National Pension System (NPS) retirement corpus and projected monthly pension. Kerala government employees under NPS contribute 10% of Basic Pay + DA per month, with an equal government contribution of 14%. Enter your current pay, age, and expected annual returns to project your total corpus at age 60. At retirement, 60% can be withdrawn as lump sum (tax-free) and 40% must be used to buy an annuity for monthly pension.

NPS-ൽ നിങ്ങളുടെ വിരമിക്കൽ Corpus, Lump Sum തുക, പ്രതിമാസ പെൻഷൻ എന്നിവ കണക്കാക്കുക. PFRDA മാർഗനിർദ്ദേശങ്ങൾ അനുസരിച്ചുള്ള കണക്കുകൂട്ടൽ.

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NPS Corpus Calculator

Estimate your retirement corpus & pension

Employee Details

Current Basic Pay
10,0002,00,000
Current DA
%
0%60%
Existing NPS Corpus
Current balance in your PRAN account (enter 0 if new)
050,00,000
Total Monthly Contribution
10% Employee + 10% Government (of Basic + DA)
₹6,750/mo
Date of Birth

Or use the age slider below

Current Age
yrs
18 yrs55 yrs
Retirement Age
yrs
45 yrs60 yrs

Contribution & Growth

Annual Contribution Step-up
due to increments / DA hikes
5%
0%20%
Expected ROI
historical NPS avg ~10-12%
10%
5%15%
Annuity %
min 40% as per NPS rules
40%
40%100%
Expected Annuity Rate
from insurance company
6%
4%10%

Results

Total NPS Corpus at Retirement
2,40,52,455
After 30 years · Invested: ₹53.82 L · Gains: ₹1.87 Cr (347%)
💰
Lump Sum Withdrawal
60% of corpus — tax-free
1,44,31,473
📈
Annuity Corpus
40% used to buy pension
96,20,982
🏦
Estimated Monthly Pension
At 6% annuity rate
48,105
📅
Contribution Period
Years of NPS contributions
30 years

⚠ Disclaimer

This calculator is meant for information and illustration purposes only and does not constitute any financial advice, opinion, or guarantee of returns. The projected corpus and pension amounts are estimates based on the inputs provided and assumed rates of return. Actual returns under NPS depend on market conditions, fund performance, and annuity rates prevailing at retirement.

NPS investments are subject to market risk. Past performance of NPS funds does not guarantee future returns. The minimum annuity purchase is 40% of the corpus as mandated by PFRDA regulations. Please consult a qualified financial adviser before making investment decisions.

Source: NPS Trust (npstrust.org.in) · PFRDA guidelines · Kerala Finance Department circulars

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