The NPS calculator designed for NRIs residing in the UAE, aids you in determining the pension, lump sum, or annuity amount that you will be entitled to as a subscriber of the scheme upon reaching retirement. This valuable tool provides you with a clear estimate of the monthly contributions needed to accumulate a substantial corpus for your retirement years.
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What is the National Pension Scheme, and Why Should NRIs/PIOs/OCIs/Expat Invest in it?
The National Pension Scheme (NPS) is a government-backed retirement savings scheme that caters to the needs of individuals, including Non-Resident Indians (NRIs), Persons of Indian Origin (PIOs), Overseas Citizens of India (OCIs), and Expatriates living abroad. It is designed to enable individuals, including NRIs, to accumulate a retirement corpus through systematic contributions during their working years.
India, with its rapidly growing economy, offers multiple investment opportunities. NRIs in the UAE can greatly benefit from the NPS due to its flexibility, tax benefits, and potential for substantial returns in the long run. By participating in this scheme, NRIs can secure their financial future while also contributing to the economic development of India.
The NPS calculator India aids in estimating the pension, lump sum, or annuity amount that you, as an NRI subscriber residing in the UAE, will receive upon retirement. This provides you with a clear understanding of the monthly contributions needed to accumulate a substantial corpus for your retirement.
Given the growing awareness of the necessity for retirement planning, the NPS calculator has gained traction, especially among NRIs. By assisting you in determining the required contribution amount, this calculator streamlines your retirement planning process.
What are the Features of the NPS Calculator?
Here are some of the salient features of the National Pension Scheme (NPS) Calculator for NRIs living in UAE:
You can use the NPS calculator online in a very easy way.
It helps you calculate the amount of pension you will receive, providing valuable insights into your retirement planning.
The National Pension Scheme Calculator also shows you the total investment amount, the returns earned on your investment, and the amount you will receive at the time of maturity.
The NPS calculator makes the computation of the maturity amount simpler, offering a user-friendly interface for NRIs to plan their retirement effectively.
*Note: The investors of National Pension Scheme can check the tax exemptions available under Section 80C
What are the Benefits of the NPS Calculator?
Following are the benefits of the best National Pension Scheme calculator:
It saves time, as you do not need to do any manual calculations.
You can have clear knowledge of how much investment you need to make to achieve the desired pension amount.
Moreover, it also helps you to do financial planning more efficiently.
With the help of a one-stop National Pension Scheme calculator, NRIs in UAE can know the estimated amount they will receive as a pension after retirement.
The NRI investors of NPS can check the tax exemptions available under Section 80C of the IT Act, 1961.
How to Use Policybazaar’s NPS Calculator India?
To use Policybazaar's National Pension Scheme Calculator, follow these steps:
Step 1: Select your current age in years.
Step 2: Specify the amount you plan to invest in the National Pension Scheme every month
Step 3: Provide the anticipated rate of return on your investments
Step 4: Decide the percentage of the accumulated corpus that you want to allocate for receiving a pension in the future
Step 5: Enter the expected rate of return for the pension phase
Step 6: Click on the "View Plans" button to compare the curated pension plans and funds specifically tailored for NRIs in the UAE.
**Note: After filling in these required fields, the calculator will process the information and provide you with an estimate of your potential pension amount based on your input.
What is the Formula for Calculating the NPS Pension Amount?
The best National Pension Scheme Calculator uses compounding interest to compute returns. Let us take a look at the formula for calculating NPS pension.
A = P (1 + r/n) ^ nt In this equation, the maturity amount is denoted as A. The other variables are as follows:
P
Principal Sum
R
Interest rate per annum
N/n
Number of times interest compounds
T/t
Total tenure
Let us understand the NPS calculation with the help of an example:
Ayesha, a 35-year-old employee, invests Rs. 12,000 monthly in the National Pension Scheme with a projected 8% interest. Anticipating retirement at 60, she allocates 40% of her corpus for pension, with an expected rate of return of 7%.
The status of Ayesha’s Pension account at the time of retirement, as generated by the NPS calculator, will be as follows:
Total Investment- ₹36 Lacs
Maturity Amount- ₹1.15 Cr
Lump Sum Amount at the age of 60 Years- ₹68.9 Lacs
Pension Wealth at the age of 60 Years- ₹46 Lacs
Monthly Pension- ₹26,806
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Key Takeaways
The NPS calculator is a useful tool, aiding in planning for your retirement. By providing you with an estimate of the pension, this specialized tool allows you to make informed decisions about your future and take the necessary steps to secure a comfortable retirement as an NRI in the UAE.
FAQ's
Who Can Use the NPS Calculator?
Anyone who wants to invest in the NPS, including NRIs residing in UAE, can use this calculator. As per the National Pension Scheme rules, all Indian citizens and NRIs between the age group of 18-60 years are eligible to invest in the scheme. Additionally, the applicant will be required to fulfill the “Know Your Customer” (KYC) guidelines to invest in NPS.
How can I get 50,000 pension per month in NPS?
To get a pension of 50,000 per month in NPS (National Pension System), you'll need to contribute regularly and choose investment options that align with your retirement goals. It's advisable to consult with a financial advisor for a personalized plan.
How do I calculate my NPS?
Calculating your NPS involves considering factors like your age, contribution amount, choice of investment funds, and the number of years until retirement. The NPS calculator provided by Policybazaar can assist you in this process.
Is NPS better than PPF?
Whether NPS is better than PPF (Public Provident Fund) depends on your individual financial goals and risk tolerance. NPS offers exposure to market-linked returns, while PPF provides a fixed interest rate. Consulting a financial advisor can help you make an informed decision based on your specific circumstances.
The ICICI NRI Account is a specialized banking solution designed for Non-Resident Indians (NRIs) who seek to
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in *Past 10 Year annualised returns as on 01-09-2026 *All savings plans are provided by the insurer as per the IRDAI approved insurance plan.
Tax benefit is subject to changes in tax laws. Standard T&C Apply
^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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs. **Returns are based on past 10 years' fund performance data (Fund Data Source: Value Research).
^Returns as on 10th Jan'25. 18% returns for Tata AIA Life Top 200 for the last 10 years.The past performance is not necessarily indicative of future performance. Source: Morningstar
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