NPS Corpus & Pension Projection Calculator for Karnataka UGC Teachers
Your NPS corpus at retirement depends on contributions and market returns; 60% can be withdrawn tax-free and 40% buys an annuity.
Central Government rates. This calculator uses the Central rules; Karnataka's own rules may differ — check with your university.
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 ⚠️ 2 not yet verified
📄 Rule basis
- CCS (Implementation of NPS) Rules 2021, G.S.R. 227(E) (31.03.2021) — cpao.nic.in
🔎 Source
⚠️ Not yet verified from an official order — confirm with your university before relying on it
- Dearness Allowance (DA) — latest Karnataka order: not filled in — The G.O. of 16.03.2019 regulates DA by State orders that follow the Government of India rates. Karnataka's DA order of 15.10.2025 (FD 18 SRP 2025, para 8) says separate orders are issued for employees on UGC/AICTE/ICAR scales; that order could not be read — enter the rate on your pay slip. · Check here: Karnataka DA orders (Accountant General treasury endorsements, cag.gov.in)
- NPS — 10% employee + 14% employer: 10% + 14% — NPS for those appointed from 01.04.2006; 10% + 14% is used — Karnataka's date and State share are not yet confirmed for college teachers. · Check here: Karnataka DA orders (Accountant General treasury endorsements, cag.gov.in)
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 also uses Dearness Allowance (DA) — latest Karnataka order; 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.