Calculate the maximum eligible amount for NPS partial withdrawal. Find out how much you can withdraw based on your corpus and eligibility.
NPS Partial Withdrawal Calculator
Exclude employer matches and investment growth returns.
`;
return;
}
// Calculation: 25% cap on own principal contribution sheet
const maxWithdrawalLimit = contribution * 0.25;
const formatCurrency = (num) => new Intl.NumberFormat('en-IN', { style: 'currency', currency: 'INR', maximumFractionDigits: 0 }).format(num);
resultBox.className = "result-box eligible";
resultBox.innerHTML = `
🎉 You are Eligible for Partial Withdrawal
Based on regulatory criteria, here is your max structural payout margin:
Your Stated Principal Contribution
${formatCurrency(contribution)}
Max Permissible Factor
25%
Maximum Eligible Withdrawal Amount
${formatCurrency(maxWithdrawalLimit)}
*Note: The partial withdrawal corpus is completely tax-exempt. Valid administrative reasons include child's higher education/marriage, residential property purchase/construction, or treatment of specified critical illnesses.
`;
}
Introduction
NPS subscribers can withdraw certain funds before retirement under specific circumstances. However, this is subject to specific conditions and limits. Using this calculator, you can easily find the maximum eligible amount for partial withdrawal.
How to Use
Step 1: Enter your total NPS corpus
Step 2: Enter only your own contribution amount
Step 3: Select the reason for withdrawal
Step 4: Click the button
Features
Instant calculation of eligible amount
Separate calculation by reason
Simple interface
Free
Mobile-friendly
How It Works
As per PFRDA rules, a maximum of 25% of the Employee Contribution can be withdrawn as partial withdrawal.
Formula
Maximum Withdrawal = Employee Contribution × 25%
Eligibility & Rules
Must be an NPS member for at least 3 years
A maximum of 3 partial withdrawals are allowed
Not more than 25% of Employee Contribution
An approved reason must exist
Benefits
Raise funds for emergency needs
Ensure your child's education
Support house construction
Cover medical expenses
Common Mistakes
Calculating based on Employer Contribution
Not knowing the 3-year condition
Exceeding the 3-time limit
Frequently Asked Questions
Is NPS partial withdrawal tax-free?
Yes, partial withdrawal is tax-free.
Where do I apply?
Through the CRA portal or your government office.
How long does it take to receive the funds?
Usually within 7-15 working days.
Can Employer Contribution be withdrawn?
No, only 25% of Employee Contribution can be withdrawn.