NPS Corpus & Pension Projection Calculator for UGC Teachers
Your NPS corpus at retirement depends on contributions and market returns; 60% can be withdrawn tax-free and 40% buys an annuity.
Important: Government rules, allowances and rates change from time to time. Before taking a final decision or making a claim, confirm the figures with the latest official order, notification or rules of the department concerned.
📄 Rules & sources ✅ 1 verified ⚠️ 1 not yet verified
📄 Rule basis
- CCS (Implementation of NPS) Rules 2021, G.S.R. 227(E) (31.03.2021) — cpao.nic.in
🔎 Source
✅ Verified from an official order
- Dearness Allowance (DA) — 60% from 01.01.2026: 60% — from 01.01.2026 · Order: DoE OM No. 1/1(i)/2026-E.II(B) dated 22.04.2026; applied to teachers by MHRD letters of 02.11.2017 (para 17) and 28.01.2019 (para 2) · verified 13.10.2026 · Department of Expenditure — Dearness Allowance orders
⚠️ Not yet verified from an official order — confirm with your university before relying on it
- NPS — 10% employee + 14% employer: 10% + 14% — Central Government rate. Universities pay the employer share under their own orders — edit the field if yours differs. · Check here: Department of Expenditure
How it works
You enter: Current corpus, Basic pay, DA rate, Years to retirement, Pay growth per year, Return per year, Annuity rate. The result updates as you type. It applies Dearness Allowance (DA) — 60% from 01.01.2026 — each checked against the official order (✅). It also uses NPS — 10% employee + 14% employer — not yet confirmed from an official order for university teachers (⚠️), so check these with your university.
Frequently asked questions
What does NPS deduct?10% of basic pay plus DA from you; the employer adds 14%.
What is the UPS assured payout?50% of the last 12 months' average basic pay for 25 years of service, proportionately from 10 years, minimum ₹10,000, plus DR.
Are these figures official?They follow the orders listed under Rules & sources on this page. Values marked ⚠️ are not yet confirmed from an official order. For a final figure, rely on your finance office and the order itself.