NPS vs UPS: See How They Compare

Find out how long your NPS corpus will last if you withdrew from NPS each year the same amount as your projected UPS pension (indexed to inflation).

Years your NPS would last

18 yrs

at a withdrawal pace equal to your modelled UPS pension

Employment Start AgeThe earlier you start, longer your NPS corpus will last in retirement.
Salary Growth RateThe faster your salary grows, the higher your UPS pension—meaning your NPS corpus will deplete sooner if you match that payout
Return (pre-retirement)Higher returns build a larger NPS corpus, ensuring it lasts longer in retirement
Return (post-retirement)This is the annual return you expect in NPS after you retire. Remember that you need to invest conservatively after you retire and hence your return is likely to be lower than pre-retirement.
InflationHigher inflation accelerates the depletion of your NPS corpus

Illustrative model: assumes 24% of basic salary to NPS each year until age 60, UPS-style pension at 50% of final basic, and withdrawals matching that pension path. Not tax or fee advice.

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NPS vs UPS

Compare how long your NPS corpus may last versus UPS payouts.