Calculate NPS normal-exit split
Normal exit rule
For Government-sector normal exit with a corpus above ₹12 lakh, the December 2025 amended rules retain at least 40% for annuity and up to 60% as lump sum. This calculator illustrates that allocation, including a higher voluntary annuity percentage. Smaller balances have additional options below.
Small corpus exception
Under the December 2025 amendments, a normal-exit corpus up to ₹8 lakh can be withdrawn fully, with phased withdrawal options also available. Above ₹8 lakh and up to ₹12 lakh, an alternative permits up to ₹6 lakh as lump sum and the balance through systematic unit redemption over at least six years or annuity. The standard 60/40 allocation remains an option. This calculator does not model those alternatives; confirm the applicable exit category with your nodal office before choosing.
Premature exit is different
Do not use the normal-exit 60/40 split for premature exit. PFRDA currently states that Government-sector premature exit generally requires at least 80% annuitisation, subject to the small-corpus exception and applicable CCS NPS rules.
Official sources
- PFRDA: December 2025 exit amendments (Government-sector table)
- PFRDA – Exits for Government Sector Model
- PFRDA – Government Sector CG/CAB Exit FAQ
Source review: 3 October 2026.