Government NPS Calculator

No. Government NPS returns are market-linked. This calculator uses the annual return you enter only as an editable planning assumption, not as a guaranteed rate or official quotation.

Yes. Pay + DA mode assumes a 10% employee contribution and a 14% government contribution on Basic Pay plus DA. You can instead enter the combined monthly contribution directly in Total mode.

For planning, the calculator treats an exit before age 60 as premature and applies at least 80% annuity when the corpus exceeds ₹5 lakh, leaving up to 20% as lump sum. At ₹5 lakh or less, it applies the current full-withdrawal option. Actual treatment follows the superannuation age and exit event under your service rules.

It can provide an illustration, but the displayed 14% government contribution may not apply to every State Government or autonomous body. Use Total mode when you know the credited monthly contribution, and let service rules and nodal-office records control the actual exit treatment.

Eligible government subscribers can generally contribute voluntarily in addition to mandatory payroll contributions. Add the voluntary amount to the combined figure in Total mode, and verify its payroll and tax treatment with the nodal office or a qualified adviser.

Each career event permanently increases the projected monthly contribution from the selected age. Times and Years Apart can model later occurrences. These scenarios do not predict a promotion, MACP benefit, pay fixation, or future pay commission; they only show the mathematical effect of the contribution increase you enter.

Yes. The UPS Comparison tab transfers compatible pay, age, corpus, return, and annuity assumptions to the UPS calculator. You must add date of birth and Government joining date there. The result is an educational comparison, not a UPS eligibility decision or official quotation.