All Citizen (UOS) NPS Calculator

Select Corporate NPS when the account is linked to an employer, especially when the employer contributes. Select All Citizen NPS for an individual voluntary account, including a self-employed subscriber. This identifies the calculation path; it is not advice to switch sectors.

Yes. Switch the subscriber model above the inputs, then use comparable ages, contributions, and return assumptions. Corporate mode includes separate employee and employer contributions; All Citizen mode uses the subscriber’s personal contribution.

The calculator applies at least 80% annuity before the selected model reaches normal exit when the corpus exceeds ₹5 lakh. At ₹5 lakh or less, it applies the current full-withdrawal option. All Citizen normal exit is generally age 60 or 15 years of vesting, whichever is earlier; Corporate normal exit remains tied to retirement or superannuation.

An employer contribution increases the amount invested each month and can materially increase the projected corpus. Enter only the amount the employer actually credits to NPS, and keep the subscriber’s payroll or voluntary contribution in the employee field.

No. It projects contributions through the selected exit age without deducting an interim withdrawal. To create a revised illustration after a withdrawal, reduce the existing corpus and recalculate. Eligibility, frequency, permitted purposes, and the amount available must be checked separately.

No. PFRDA’s March 2026 Corporate Sector FAQs say that Corporate normal exit remains linked to superannuation or retirement for both common schemes and MSF schemes. The 15-year normal-exit rule applies differently under the All Citizen model.

NPS is portable and sector shifting can keep the same PRAN when employment status changes. However, the applicable exit treatment depends on the subscriber’s sector and circumstances at exit; shifting should not be treated as an automatic way to obtain a different withdrawal result. Confirm the request and classification with the CRA or PoP.

Do not assume so. Current non-government exit rules may permit up to 80% as lump sum at normal exit, while PFRDA’s NPS tax guidance states that up to 60% of the total corpus received as lump sum is exempt under section 10(12A). Tax treatment depends on the law and circumstances when you exit.

The account label does not itself create a higher return. Returns depend on contributions, the selected pension fund and scheme, asset allocation, charges, market performance, and investment period. Use the same return assumption when testing the two contribution models.