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NPS: Save Rs 50 daily, and you will get Rs 34 lakh on retirement, know how

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NPS: Save Rs 50 daily, and you will get Rs 34 lakh on retirement, know howNPS: Save Rs 50 daily, and you will get Rs 34 lakh on retirement, know how

NPS Investment: If you want to get a big amount on retirement, then start investing as soon as you get a job.


New Delhi: New Pension System: Money is needed to earn money, but it is more important to know where to invest the money so that it can give you good profits. If you want to earn money by staying risk free then you have many investment options.

Earn 34 lakhs by saving 50 rupees daily
One of these is the New Pesnion System, by investing in this scheme, you can improve your old age. Even if you save Rs 50 per day in NPS, you will get Rs 34 lakh at the time of retirement. Investing in this is absolutely easy and low risk. Although NPS is a market linked investment.

You can earn huge profits by investing in NPS

NPS is a market linked retirement oriented investment option. Under this scheme, NPS money is invested in two places, Equity i.e. Stock Market and Debt i.e. Government Bonds and Corporate Bonds. You can decide how much of NPS money will go into equity only during account opening. Usually up to 75% of the money can go into equity. This means that in this you are expected to get slightly higher returns than PPF or EPF.

We are going to tell you that if you have just started a job, you do not even have much money to invest, then it does not matter if you save 50 rupees per day and invest in NPS.

Suppose you are 25 years old at this time. If you invest 1500 rupees per month in NPS, that is, 50 rupees per day. Will take retirement after 60 years. If this is assumed, then you will invest in it for 35 consecutive years. Now suppose you got a return at the rate of 10%. So when you retire, your total pension wealth will be Rs 34 lakh.

Start investing in NPS

age 25 years

Investment Rs 1500 per month

Investment period 35 years

Estimated return 10%

Bookkeeping of NPS Investments

Total invested Rs 6.30 lakh

Total interest received is Rs 27.9 lakh

Pension wealth Rs 34.19 lakh

Total tax saving Rs 1.89 lakh

How much pension will you get

Now you cannot withdraw all this money at once, you can withdraw only 60 percent of it, the remaining 40 percent you have to put in an annuity plan, from which you get pension every month. Suppose you put 40% of your money in an annuity. So you will be able to withdraw a lump sum amount of Rs 20.51 lakh and assuming the interest is 8%, then every month pension will be Rs 9 thousand that is different.

Pension account

  • Annuity 40 percent
  • Estimated interest rate 8%
  • Lump sum amount received Rs 20.51 lakh

Monthly pension Rs 9,111



We have started investing here at the age of 25. If you start investing early then your pension corpus is huge. The amount of pension depends on the amount you are investing monthly, at what age you have started investing and the returns you are getting. The example we have taken here is on estimated returns. It may be different in each case.

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