Is NPS 100% tax-free at maturity?

No — 60% of the NPS corpus can be withdrawn tax-free. The remaining 40% must be used to purchase an annuity (pension), which is taxable as income. Total tax efficiency depends on your annuity income and tax slab in retirement.

What is the 14% employer NPS contribution benefit?

Under the New Tax Regime (Finance Act 2024), employer's NPS contribution up to 14% of basic+DA is tax-deductible for the employer and exempt for the employee (within the ₹7.5L combined limit for NPS+EPF+superannuation).

Can I withdraw NPS before 60?

Partial withdrawal (25% of employee contributions) is allowed after 3 years for specified purposes (education, medical, housing). Full premature exit before 60 requires 80% to be used for annuity purchase, with 20% tax-free.

NPS CalculatorFY 2026-27

Plan your NPS corpus with 14% New Regime employer rates (Finance Act 2024) and the ₹7.5L combined employer contribution cap.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

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