A minor’s NPS account: the corpus at 18 on a return you choose, and what happens then
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 30 Oct 2026.NPS Vatsalya: ₹1,000 a month from age 1, at an assumed 10% a year, grows to about ₹5,36,698 by the eighteenth birthday, ₹2,04,000 of it paid in; the account then becomes an ordinary NPS Tier-I account. Returns are market-linked and guaranteed by nobody, so every figure rests on a return you pick.
| Each month | Starting age | At 8% | At 10% | At 12% |
|---|---|---|---|---|
| ₹500 | 1 (17 years) | ₹2,17,338 | ₹2,68,349 | ₹3,33,960 |
| ₹1,000 | 1 (17 years) | ₹4,34,676 | ₹5,36,698 | ₹6,67,921 |
| ₹2,000 | 1 (17 years) | ₹8,69,352 | ₹10,73,397 | ₹13,35,842 |
| ₹5,000 | 1 (17 years) | ₹21,73,379 | ₹26,83,492 | ₹33,39,604 |
| ₹500 | 5 (13 years) | ₹1,37,370 | ₹1,60,300 | ₹1,87,966 |
| ₹1,000 | 5 (13 years) | ₹2,74,740 | ₹3,20,600 | ₹3,75,931 |
| ₹2,000 | 5 (13 years) | ₹5,49,480 | ₹6,41,199 | ₹7,51,862 |
| ₹5,000 | 5 (13 years) | ₹13,73,699 | ₹16,02,998 | ₹18,79,656 |
Rates and rules read from the sources listed on this page (the earliest on 30 Oct 2026); they may have changed since.
Set the "Monthly contribution", or pick one of the amount chips above it.
Set "The child’s age today".
Set the "Return you are assuming"; the account is market-linked, so there is no notified rate.
Under "On the eighteenth birthday", choose "Take the money out", "Leave it invested" or "Keep contributing".
Read the estimated balance at 18 and the three return assumptions beside it, then press "Share result".
The NPS Vatsalya calculator shows what a pension account opened for a child could be worth on their eighteenth birthday, and what happens to it afterwards. Enter a monthly contribution, the child's age today, and the return you want to assume. You get the balance at 18, how much of that is your own money, the exit the scheme allows at that point, and a year-by-year table.
One thing has to be said plainly before any of the numbers mean anything. NPS Vatsalya is market-linked. The money goes into equity, corporate bonds and government securities through a pension fund, and no return is promised, guaranteed or floored. Unlike PPF or Sukanya Samriddhi, there is no notified rate to look up, so this page does not use one. The rate in the result is the one you chose, carried through unchanged, and moving it a couple of points either way will change the answer more than anything else on the screen. Try 8%, then 12%, and treat the gap between them as the honest answer.
The arithmetic: a contribution at the start of each month, compounding at i = assumed return ÷ 12, so after N months the balance is C × [((1 + i)^N − 1) ÷ i] × (1 + i), with N = (18 − age today) × 12.
What the scheme adds around that: a minimum of ₹1,000 in a financial year and no maximum; a partial withdrawal of up to 25% of your contributions, allowed after three years in the scheme, up to three times before 18; and on the eighteenth birthday the account becomes an ordinary NPS Tier-I account. A corpus at or below ₹2.5 lakh can be taken in full then; above that, at least 80% must buy an annuity. Estimates only, not financial advice.
Sources: PFRDA's published NPS Vatsalya scheme rules for the contribution minimum, the partial withdrawal, the conversion at 18 and the exit thresholds. No interest rate is quoted, because the scheme has none.
From age 1, assuming 10% a year, ₹1,000 a month for 17 years builds about ₹5,36,698 by the eighteenth birthday, of which ₹2,04,000 is your own money. At 8% it is about ₹4,34,676, at 12% about ₹6,67,921. None of these is promised: the account is market-linked.
Starting at age 5 and assuming 10% a year, ₹2,000 a month for 13 years builds about ₹6,41,199 by the eighteenth birthday, of which ₹3,12,000 is your own money. Assume 8% instead and the same plan reaches about ₹5,49,480. Neither figure is promised.
No fixed return exists, and anyone quoting one is guessing. NPS Vatsalya invests in equity, corporate bonds and government securities, so the outcome follows the market and can fall as well as rise. The calculator asks you for a return to assume, and every figure it shows depends entirely on that choice.
A parent or legal guardian opens the account for any Indian child below eighteen, and operates it until then. The child is the subscriber throughout. Accounts can be opened at a bank, a post office, an online eNPS portal or a point of presence registered with the pension regulator.
₹1,000 in a financial year is the minimum, and there is no upper limit. Paying monthly rather than once a year suits most households and puts the money in earlier, which matters more over thirteen or eighteen years than the exact amount does. Confirm the current minimum before opening the account.
On the eighteenth birthday the account becomes an ordinary NPS Tier-I account in the All Citizen Model, after fresh KYC. A corpus at or below ₹2.5 lakh can be withdrawn in full at that point; above that, at least 80% must buy an annuity and up to 20% can be taken in cash.
Up to 25% of the contributions made, not of the total corpus, may be withdrawn after three years in the scheme, for education, a specified illness or disability, and up to three times before the child turns eighteen. Everything else stays invested until the account converts.
NPS Vatsalya account kaise khole: a parent or guardian applies at a bank, post office or the eNPS website with the child's birth certificate and the guardian's KYC documents, then pays at least ₹1,000 for the year. A PRAN is issued in the child's name. The calculator here only estimates the balance; it opens nothing.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about NPS Vatsalya Calculator and anybody who knows can answer. No account needed.
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