NPS Vatsalya Calculator

What Is NPS Vatsalya Calculator?

The NPS Vatsalya Scheme Calculator is designed to project the future value of investments made under the NPS Vatsalya account. NPS Vatsalya account is a specialized National Pension Scheme option for minors, managed by guardians until the child turns 18. By entering details like the child’s date of birth, annual or monthly contribution, expected annual increase in investment, and projected rate of return, users can see the corpus generated at major milestones (age 18 and 60), and understand withdrawal options and annuity benefits.

Key Features of NPS Vatsalya Scheme Calculator

Key features of NPS Vatsalya Scheme Calculator include: 

• It shows how NPS Vatsalya contributions grow from age 0 to 18 and beyond because of the power of compounding.

• Allows customization of contribution amounts and escalation rates to suit changing financial abilities.

• Considers government regulations on withdrawals, partial exits, and conversion to regular NPS on adulthood.

• Estimates the impact of different rates of return (typically 9.5%-10% per annum), helping parents optimize investment strategy.

Investment

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₹10,000/Month

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₹1 Crore^*

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Benefits of NPS Vatsalya Scheme Calculator

Below are the benefits of NPS Vatsalya Scheme Calculator: 

• Helps plan for child’s educational expenses, marriage, and retirement with discipline.

• Demonstrates the power of compounding in creating significant wealth starting with modest annual contributions (e.g. ₹10,000/year can grow to over ₹1 crore by age 60).

• Supports comparison with other child plans and long-term investment options.

How Does the NPS Vatsalya Calculator Work?

• Enter the child’s date of birth to calculate investment tenure.

• Choose monthly or annual contribution options, and input the investment amount.

• Specify the expected yearly increase in contribution (optional) and select the expected annual rate of return.

• The calculator displays:

  • Estimated corpus at age 18

  • Withdrawal options (partial/total based on NPS rules)

  • Projected corpus at retirement (age 60) if continued investment

  • Annuity purchase amount and lump sum withdrawal options.

Why Use NPS Vatsalya Calculator?

Below are the reasons why you should use the NPS Vatsalya Scheme Calculator:

• Provides clarity and transparency in retirement planning and child investment planning.

• Empowers parents to make informed financial choices and review projected outcomes instantly.

• Encourages long-term financial discipline and tax-efficient wealth accumulation for minors.