Bachche ke naam pension khata: 18 saal par kitna ho sakta hai, market ke hisaab se
Yeh sirf anumaan hai, financial advice nahi. Aap jo bharte hain, woh aapke device par hi rehta hai. 30 Oct 2026 ko check kiya gaya.Bachche ke naam pension khata NPS Vatsalya kehlata hai: 18 saal se kam umar ke bachche ke liye abhibhavak khata kholte hain, kam se kam ₹1,000 saal, aur upari seema koi nahi. Har mahine ka amount, bachche ki umar aur aap kitna return maan rahe hain — yeh daaliye aur dekhiye 18 saal par kitna ho sakta hai. Paisa market se juda hai, isliye koi bhi figure guarantee nahi hai.
Rates and rules read from the sources listed on this page (the earliest on 30 Oct 2026); they may have changed since.
Har mahine kitna daalenge aur bachche ki aaj ki umar bharein.
Kitna return maanna hai woh khud chunein — 8% aur 12% dono aazma kar dekhein.
18 saal par bani raashi, usmein aapka apna paisa aur saalwar table padh lein.
NPS Vatsalya 18 saal se kam umar ke bachche ke naam par khulne wala pension khata hai. Yeh calculator batata hai ki bachche ke 18ve janmdin tak khate mein kitni raashi ban sakti hai, usmein aapka apna kitna paisa hai, us din yojana kitna nikalne deti hai, aur saal dar saal hisaab kaise badhta hai.
NPS Vatsalya bazaar se juda hai. Paisa pension fund ke zariye share, corporate bond aur sarkari pratibhutiyon mein lagta hai, aur koi return na vaada hai, na guarantee, na koi nyoontam tay hai. PPF ya Sukanya Samriddhi ki tarah yahan koi adhisoochit dar nahi hoti jise dekhkar hisaab lagaya ja sake, isliye yeh page koi dar maankar nahi chalta. Parinaam mein jo dar dikhti hai woh wahi hai jo aapne chuni. Use do ank upar ya neeche karne se jawab utna badalta hai jitna screen par ki koi aur cheez nahi badalti. Ek baar 8% chala kar dekhiye, phir 12%, aur dono ke beech ki doori ko hi imaandaar jawab maaniye.
Har mahine ki shuruaat mein yogdan maankar, i = maani gayi dar ÷ 12 par chakravriddhi: N mahino ke baad raashi = C × [((1 + i)^N − 1) ÷ i] × (1 + i), jahan N = (18 − aaj ki umar) × 12.
Ek financial year mein kam se kam ₹1,000 daalna zaroori hai aur koi upari seema nahi hai. Yojana mein teen varsh poore hone ke baad, apne jama kiye gaye yogdan ka 25% tak nikala ja sakta hai, aur 18 varsh se pehle aisa teen baar tak kiya ja sakta hai. 18ve janmdin par khata saamanya NPS Tier-1 khate mein badal jaata hai. Us din ₹2.5 lakh ya usse kam ki raashi poori nikali ja sakti hai; isse zyada hone par kam se kam 80% se annuity leni hoti hai.
Ye sab anumaan hain, nivesh salah nahi. Yogdan ki nyoontam raashi, aanshik nikasi, 18 par khate ka badalna aur nikasi ki seemayen PFRDA ke prakashit NPS Vatsalya niyamon se li gayi hain. Koi byaj dar yahan nahi di gayi, kyunki yojana mein koi tay dar hai hi nahi.
Koi tay return nahi hai, aur jo koi ek aankda bataye woh anumaan laga raha hai. NPS Vatsalya ka paisa share, corporate bond aur sarkari pratibhutiyon mein lagta hai, isliye nateeja bazaar ke saath ghatta-badhta hai. Calculator aapse hi dar poochhta hai, aur har aankda usi chunav par tika hota hai.
5 saal ki umar se shuru karke 10% saalana maanein to ₹2,000 mahina 13 varshon mein 18ve janmdin tak lagbhag ₹6.4 lakh banata hai, jismein ₹3.12 lakh aapka apna paisa hai. 8% maanein to wahi yojana kareeb ₹5.5 lakh tak pahunchti hai. Inmein se koi aankda vaada nahi hai.
Mata-pita ya kanooni abhibhavak 18 varsh se kam umar ke kisi bhi Bhartiya bachche ke liye yeh khata khol sakte hain aur tab tak use chalate hain. Bachcha hi poore samay subscriber rehta hai. Khata bank, post office, online eNPS portal ya registered point of presence par khulta hai.
Ek financial year mein kam se kam ₹1,000 daalna zaroori hai, aur koi upari seema nahi hai. Saal mein ek baar ke bajaye har mahine daalna zyadatar gharon ke liye aasan rehta hai aur paisa jaldi lagta hai, jo terah ya atharah varshon mein rakam se bhi zyada maayne rakhta hai.
18ve janmdin par, nayi KYC ke baad, khata All Citizen Model ke saamanya NPS Tier-1 khate mein badal jaata hai. Us samay ₹2.5 lakh ya usse kam ki raashi poori nikali ja sakti hai; isse zyada hone par kam se kam 80% se annuity leni hoti hai aur 20% tak nakad milta hai.
Yojana mein teen varsh poore hone ke baad, jama kiye gaye yogdan ka 25% tak nikala ja sakta hai — kul raashi ka nahi, sirf yogdan ka. Yeh padhai, kisi nirdisht bimari ya divyangta ke liye, aur 18 varsh se pehle teen baar tak ho sakta hai. Baaki paisa nivesh mein hi rehta hai.
NPS Vatsalya account kaise khole: mata-pita ya abhibhavak bank, post office ya eNPS website par bachche ke janm pramaan patra aur apne KYC dastavezon ke saath aavedan karte hain, phir varsh ke liye kam se kam ₹1,000 jama karte hain. Bachche ke naam par PRAN jaari hota hai.
Rates aur niyam badalte rehte hain. Kisi figure par bharosa karne se pehle source dekh lijiye.
Jawab nahi mila? Bachche Ke Liye Pension Yojana Calculator ke baare mein poochein, jise pata hoga woh jawab dega. Account banane ki zaroorat nahi.
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