NPS Retirement Planning 2026 | Corpus, Exit & Annuity Rules

NPS retirement planning

NPS is market-linked. Do not enter a fixed rate as a “guaranteed” return. Use multiple return assumptions to create conservative, base and higher scenarios.

For the All Citizen Model, current PFRDA material describes entry age 18–85 and updated exit rules. Normal exit can allow up to 80% lump sum and at least 20% annuity under the current common scheme framework, while some corpus thresholds and circumstances have separate treatment.