Primary Sources
Rules deserve a source and a date.
We prioritize PFRDA, NPS Trust, official government and SEBI investor publications. Review the source used for each calculator below.
Last reviewed: 23 August 2026. Regulatory material may change; always confirm before making an exit, investment or tax decision.
Government
Government Sector
PFRDA Central Government NPS and Exit Regulations
Official Source 02Non-Government
Non-Government Sector
PFRDA All Citizen NPS withdrawal and exit rules
Official Source 03Family
NPS Vatsalya
PFRDA NPS Vatsalya withdrawal and exit rules
Official Source 04Special
Unified Pension Scheme
PFRDA Unified Pension Scheme rules and FAQs
Official SourceCurrent tax law
The NPS tax-benefit calculator uses the Income-tax Act, 2025 as amended by Finance Act 2026 for the tax year beginning 1 April 2026. Section 123, Schedule XV and Section 124 correspond to the contribution deductions commonly recognised under legacy Section 80CCD.
Current exit regulations
The calculator uses the exit-allocation schedules introduced by the PFRDA amendment dated 16 December 2025 and reproduced in the regulations consolidated through 20 July 2026. The July 2026 amendment concerns operational arrangements for specific-purpose schemes and does not change those allocation schedules.
Mutual fund investor guidance
The NPS versus mutual fund page uses SEBI Investor material to describe mutual fund structure, liquidity, diversification and exit loads. It does not use a specific scheme, advertised return or commercial fund ranking.
Public Provident Fund rules
The NPS versus PPF page uses the Public Provident Fund Scheme, 2019 for deposit limits, interest-credit timing, maturity, extension and access rules. The editable default rate is checked against the Department of Economic Affairs small-savings notifications.