NPS Calculator 2023 for NRI/PIO/OCI

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.

NPS Calculator

Your Age

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
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 an NPS Calculator?

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?

NPS BenefitsNPS Benefits

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.

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Invest ₹10K/Month YOU GET ₹1.5 LAKHS* MONTHLY PENSION View Plans
Invest ₹7K/Month YOU GET ₹1 LAKHS* MONTHLY PENSION View Plans
Invest ₹5K/Month YOU GET ₹75 THOUSAND* MONTHLY PENSION View Plans
standard T&C Apply *

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.

*All savings 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
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^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.

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Get Pension ₹2,00,000/month+
Including Life Cover
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