HDFC NPS Calculator

The HDFC NPS Calculator is a user-friendly tool designed to help you estimate returns on investments made through the National Pension System (NPS) efficiently. The NPS Calculator HDFC allows you to make informed decisions by gaining insights into the estimated corpus and pension benefits.

Peaceful Post-Retirement Life
Tax Free Regular Income
Wealth Generation to beat Inflation

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7.7 Crore

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Insurance Partners

4.2 Crore

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Invest ₹6,000/month & Get Tax Free Monthly Pension of ₹60,000

Get the best returns & make the most of your golden years

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7.7 Crore

Registered Consumer

Insurance Partners

4.2 Crore

Policies Sold

Disclaimer: ##Rs 60,000 are the monthly pension amounts at the assumed rate of return of 8% p.a. and 4% p.a. for unit linked insurance plans. This is an illustrative example and the returns are not guaranteed & dependent on the policy term and premium term availed along with the other variable factors. The market linked return of 60K per month is for an 18 year old investing 6k per month for 20 years in a whole life policy having policy term 82 years in which Systematic partial withdrawals start at the age of 65 years at 5% rate of withdrawal per year. The investment risk in the policy is borne by the policyholder. All Plans listed here are of insurance companies’ funds. *Tax benefits and savings are subject to changes in tax laws. All Plans listed here are of insurance companies’ funds. Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

Max Life High Growth Fund

AUM:8,482 Cr

8,482 Cr

NAV

119.99

1.59%

Returns

23.95%

Returns

31.9%

Highest Return

Returns

20.47%

Get Details

Tata AIA Whole Life Mid Cap Equity Fund

AUM:13,435 Cr

13,435 Cr

NAV

158.69

2.49%

Returns

21.08%

Returns

27.7%

Highest Return

Returns

20.43%

Get Details

Bajaj Allianz Accelerator Mid-Cap Fund II

AUM:6,452 Cr

6,452 Cr

NAV

86.49

1.27%

Returns

17.79%

Returns

22.67%

Highest Return

Returns

16.96%

Get Details

HDFC Standard Opportunities Fund

AUM:40,966 Cr

40,966 Cr

NAV

78.44

1.16%

Returns

15.75%

Returns

23.42%

Highest Return

Returns

16.86%

Get Details

Disclaimer:
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

HDFC NPS Calculator

Your Age

Years

18 Years 59 Years

Enter Your Age

Monthly Investment

₹

₹500 ₹10L

Enter Investment Per Month

Expected Return on Investment

5% 15%

Expected Return on Investment

Percentage of Corpus Allocated for Pension

40% 100%

Enter Corpus Percentage

Expected Return from Pension

5% 15%

Enter Annuity Return

₹0

Your Monthly Pension

₹0

Your Monthly Pension

Your Pension Calculation

Total Investment

Returns Earned

Maturity Amount

Maturity Amount split (Lumpsum & Pension)

60%

Lumpsum Amount

At the age of 60 Yrs

40%

Pension Wealth

At the age of 60 Yrs

What is the HDFC NPS Scheme?

The National Pension System (NPS) is a voluntary retirement savings scheme in India. It was introduced in 2004 with the aim of providing a stable retirement income for all citizens. It offers a variety of investment options, allowing participants to choose based on their risk appetite and investment goals. NPS is regulated by the Pension Fund Regulatory and Development Authority (PFRDA) and is open to both Indian citizens and international citizens residing in India. The scheme provides tax benefits under the Income Tax Act and offers a mix of guaranteed and market-linked returns. NPS is considered a long-term investment option and is suitable for individuals who are looking to build a retirement corpus.

What is the HDFC NPS Calculator?

The HDFC NPS Calculator is a financial tool that allows you to estimate your potential pension and corpus amount at retirement under the National Pension System (NPS). This can help you make deposits while keeping in mind your retirement goals and financial needs.

Some of the important details required while using the HDFC Pension NPS calculator are as follows:

Your Current Age
Investment Amount
Expected Return on Investment
Frequency of Investment (monthly, half-yearly, or yearly)
Percentage of Corpus Allocated for Pension
Expected Return from Pension

Working of HDFC NPS Calculator

This compound interest formula helps to compute the final value of your maturity amount in the HDFC NPS account.

Example of NPS Calculator HDFC Calculation

Let us understand the use of the HDFC NPS Calculator from the example mentioned below.

If you invest in an HDFC NPS account with the following details-

Your Age of Investment = 30 years

Monthly investment = ₹10,000

Expected Rate of Return = 10% p.a.

Your account will mature at the age of 60 years. Using the HDFC NPS Calculator
Total corpus at retirement: ₹1.37 Cr

Pension Wealth: ₹91.2 L

How to Use Policybazaar’s HDFC NPS Calculator?

NPS Calculator HDFC helps you estimate your pension amount upon retirement. Follow the steps mentioned here to use the HDFC NPS Calculator:

Step 1- Go to the NPS calculator of HDFC on this page.

Step 2- Enter the following details in the calculator:

Investment type (monthly or yearly)
Investment amount
Entry age
Expected rate of return

Step 3- The HDFC NPS calculator displays your estimated monthly pension and maturity amount.

Benefits of HDFC NPS Calculator

Below are the benefits of the NPS Calculator HDFC

Provides estimates of retirement corpus and monthly pension.
Helps choose appropriate investment options within NPS.
Assists in setting realistic retirement goals.
Evaluates risk tolerance based on chosen investment options.
Simple and intuitive calculator for quick calculations.
Available without any cost.

Who Can Use the HDFC NPS Calculator?

Below are the eligibility criteria for NPS calculator HDFC:

Salaried professionals
Self-employed individuals
Young investors
Financial advisors
Anyone aged 18 to 65

Conclusion

The HDFC NPS calculator is a valuable tool for planning your retirement investment strategy. With its user-friendly interface and accurate calculations, it empowers you to make informed decisions regarding your National Pension System contributions. Using this tool can contribute to a more secure and well-planned financial future for you.

FAQs

Is using the HDFC NPS Calculator free?

Yes, using the HDFC NPS Calculator is generally free of charge.
Can I use the HDFC NPS Calculator if I don't have an HDFC account?

Yes, you can use the HDFC NPS Calculator even if you don't have an HDFC account. It's a public tool available to everyone.
How accurate are the estimates provided by the HDFC NPS Calculator?

The estimates provided by the calculator are based on the inputs you provide and assumptions about future market conditions. While the calculator aims to provide accurate estimates, actual returns may vary.
What are the tax benefits associated with investing in the NPS?

The HDFC NPS Calculator can provide information on the tax benefits associated with investing in the NPS under Section 80CCD of the Income Tax Act.
Is NPS better than PPF?

The best option depends on your individual circumstances and financial goals. If you are looking for higher potential returns and are comfortable with market-related risks, NPS might be a better option. If you prioritize security and guaranteed returns and need flexibility in accessing your funds, PPF might be a better choice.
What is the amount of NPS ₹5000 per month for 20 years?

Let us suppose you invest ₹5,000 per month in an HDFC NPS Account at the age of 40 years for a tenure of 20 years. If your expected rate of return is 10% p.a., then your total investment in 20 years will be ₹12 lakhs, and the interest earned will be Rs. 25.96 lakhs. The maturity amount of your NPS investment will be Rs. 37.96 lakhs.
How much is the pension in NPS?
The pension amount in NPS depends heavily on various factors like:
- Investment age
- Investment amount and duration
- Investment choices across various asset allocation options (E, C, G)
- Annuity purchase
- Market performance
For a more accurate estimate of your NPS pension, you can use the online NPS calculator HDFC.
Can I invest 20000 in NPS?

Yes, you can definitely invest ₹20,000 in NPS. In fact, the minimum monthly contribution allowed in an NPS Tier-I account is ₹500, making it accessible to a wide range of investors.

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Post Office NPS Calculator

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.