NPS Vatsalya Calculator
How It Works
Build your NPS Vatsalya estimate
Set the child’s timeline
Enter the child’s current age and the age through which you want to project contributions.
Add your contribution plan
Enter the monthly amount, any annual increase, and expected return and inflation rates.
See the future value
Review the projected corpus, its value in today’s money, and the applicable exit allocation.
What this calculator does
It converts your inputs into an illustrative projection using monthly compounding, annual contribution step-ups, and the payout assumptions shown in the form.
Transparent assumptions
Change return, inflation, and annuity assumptions. The result updates without sending your financial inputs to a server.
Scheme-aware output
The calculator applies the age, subscription-period, corpus-threshold and payout rules relevant to NPS Vatsalya, while identifying exceptions that require an individual review.
Calculator FAQs
About NPS Vatsalya
These answers explain the assumptions and rules most relevant to this calculator. Check the linked methodology and official source before making a decision.
Who owns an NPS Vatsalya account?
The account is opened in the minor’s name and operated by a guardian; the minor is the sole beneficiary.
What happens at age 18?
Between ages 18 and 21, the subscriber may continue NPS Vatsalya, shift the full corpus to an applicable NPS model after KYC, or exit. On exit, a corpus below ₹8 lakh may be withdrawn fully; at ₹8 lakh or more, up to 80% may be taken as lump sum and at least 20% must buy annuity.
What is the minimum contribution to NPS Vatsalya?
The minimum initial and annual contribution is ₹1,000 under the current scheme information, with no stated maximum contribution. Confirm the latest amount on the official PFRDA or CRA onboarding page before funding the account.
Can money be partially withdrawn before the child turns 18?
Current rules permit limited partial withdrawals for specified purposes after the applicable lock-in, subject to a percentage of contributions and a limit on frequency. The calculator does not model these withdrawals, so check the current PFRDA conditions before applying.
Open Methodology
Check the calculation
See every formula, limitation, and official source behind the estimate.