India’s smartest way to build retirement corpus. NPS with automated SIP, tax savings, and market-beating long term returns. Secure your golden years today.
NPS Last 10 Years Avg. Return*
*Equity + Debt blended (2015-2025)
Real-time insights: historical returns & latest PFRDA withdrawal framework
NPS has delivered consistent double-digit returns over the last decade, outperforming PPF & most traditional options. Our automated portfolio rebalancing helps capture growth.
After 15 years of contributions, you can partially withdraw up to 25% of own contributions. At retirement (age 60) – 60% tax-free withdrawal + 40% mandatory annuity.
✅ Secure lifelong pension + lump sum flexibility.
Retirement corpus of ₹1 Cr → ₹60 Lakhs lump sum (tax-free) + ₹40 Lakhs annuity → approx ₹28,000/month pension (at 7% annuity rate).
Adjust sliders – see estimated NPS corpus, lump sum (60%) & monthly pension (40% annuity)
*Annuity assumed @6.5% p.a. payout rate (indicative). NPS rules: mandatory 40% annuity at retirement.
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Join India's most trusted NPS platform – zero paperwork, automated contributions, expert fund management and complete withdrawal guidance as per latest 60:40 rule & 15-year partial withdrawal flexibility.
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SanchayKaro mobile app – complete retirement dashboard
If you have completed 15 years in NPS, you can partially withdraw up to 25% of your own contributions for specific needs (medical, education, marriage, house purchase). Also, after retirement (age 60) the 60:40 rule applies: 60% tax-free lumpsum and 40% annuity. This ensures financial security & liquidity.
Yes, as per PFRDA data and major pension fund managers (SBI, HDFC, ICICI, UTI, etc.), the blended annualized return for moderate lifecycle funds ranged between 10.5% to 11.2% over the last decade. Equity gave higher returns while debt provided stability.
SanchayKaro provides auto-invest (SIP) into NPS, automatic rebalancing based on your risk profile, and retirement goal tracking. You can link your bank account, set monthly contributions, and get real-time portfolio performance – fully paperless.
No, the 60% lumpsum withdrawal is allowed only on superannuation (age 60) or retirement. However, after 15 years you can avail partial withdrawal (max 25% of your contributions) without closing the account.
Absolutely. SanchayKaro is an authorized Point of Presence (PoP) registered with PFRDA. Your funds are held with government-empaneled pension fund managers. SanchayKaro only facilitates the process; your assets are safe & regulated.
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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
The Registered name: PALLAB ROUTH | AMFI Registered Mutual Fund Distributor | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-2027
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