NPS after the 2025 changes: how much can you take out at 60?

13 Nov 2026 · 1 min read

Non-government NPS subscribers can now take up to 80% as a lumpsum and need only 20% in an annuity.

In December 2025 the pension regulator PFRDA eased the exit rules for National Pension System subscribers outside government.

What changed

  • Non-government subscribers (All Citizen and Corporate NPS) can take up to 80% of the corpus as a lumpsum at normal exit and must put at least 20% into an annuity (a monthly pension). Earlier it was 60:40.
  • Government employees still need to put at least 40% into an annuity.
  • Subscribers can stay invested longer (up to age 85) and defer withdrawal or annuity purchase.
  • Smaller corpuses have extra options, including taking it all out below certain limits.

What it means in numbers

₹5,000 a month from age 30 to 60 at 10% a year can grow to about ₹1.14 crore. With 20% in an annuity paying 6%, that's about ₹11,400 a month as pension, and around ₹91 lakh available as a lumpsum.

Rules for small corpuses and premature exit have their own limits, so check the latest PFRDA rules before you exit.

NPSpensionannuity

This article is general information, not personal financial advice. Rules and rates change; check the latest before you act.

More in Retirement

PPF, SSY & post office interest rates: October–December 2026Current small savings rates: PPF 7.10% and more, updated automatically each quarter.Do you want financial freedom? Find your number firstFinancial freedom means your investments can pay your expenses for life. Here's how to work out that number.Sukanya Samriddhi Yojana: a complete guide for parentsSSY pays 8.2% tax-free. ₹1.5 lakh a year for 15 years can grow to about ₹71.8 lakh by maturity.