NPS Tier 1 Return Calculator — Equity + Debt Blend
With ₹5,000/month in NPS Tier 1 for 25 years (50% equity at 12%, 50% debt at 7%), your estimated corpus is ₹72.89 lakh. The 60% tax-free lumpsum would be ₹43.73 lakh, with a monthly pension of ~₹14,576.
Total Corpus
₹61,43,586
Est. Monthly Pension
₹12,287
Tax-Free Lumpsum (60%)
₹36,86,152
Annuity Fund (40%)
₹24,57,434
Equity assumed at 12% p.a., Debt at 7% p.a. Max equity allocation is 75% (Active choice). 60% lumpsum is tax-free; 40% must be used to buy an annuity (6% annuity assumed for pension estimate).
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Calculated with CalcHub
Common questions about NPS Tier 1 Return Calculator — Equity + Debt Blend
What is NPS Tier 1?
NPS Tier 1 is the primary pension account with a lock-in until age 60. It offers tax benefits under Section 80CCD(1), 80CCD(1B) (additional ₹50,000), and 80CCD(2) (employer contribution). At maturity, 60% can be withdrawn tax-free and 40% must buy an annuity.
What returns can I expect from NPS?
NPS equity funds (E) have delivered 12-14% CAGR since inception, corporate bonds (C) around 9-10%, and government bonds (G) around 7-8%. Blended returns depend on your asset allocation — higher equity generally means higher long-term returns.