NPS Vatsalya rules and figures: contributions, the corpus at 18 and the exit choice
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 30 Oct 2026.NPS Vatsalya is a National Pension System account a guardian opens for a child under eighteen, with a minimum of ₹1,000 a year and no upper limit. Put in a monthly amount, the child’s age and the return you want to assume, to see what the account could hold at eighteen. Returns are market-linked and none of it is guaranteed.
| 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"; the scheme minimum is ₹1,000 a year.
Set "The child’s age today", which must be under eighteen.
Set the "Return you are assuming", then choose "Take the money out" under "On the eighteenth birthday".
Read the estimated cash and annuity split for the exit, and the note on why that split is not settled.
The calculator also shows what the scheme allows to be taken in cash at eighteen, and what carrying on to sixty would look like.
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.
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.
The rest of the article, and all 6 questions about NPS Vatsalya Calculator, are on the NPS Vatsalya Calculator page.
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.
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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