NPS Vatsalya Calculator
Your child’s NPS corpus at 18, and at 60 if left invested.
Minimum ₹1,000 a year.
Your result
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Enter your numbers to see the result.
This NPS Vatsalya calculator estimates the corpus in an NPS account opened for a child. Enter the child’s age, yearly contribution and expected return. It shows the corpus at 18, what it could become by 60 if left invested, and how the exit rules at 18 apply to that corpus.
What is a NPS Vatsalya Calculator?
NPS Vatsalya is a version of the National Pension System for children under 18. A parent or guardian opens and runs the account with a minimum contribution of ₹1,000 a year, and the money is invested in the same pension funds as regular NPS.
When the child turns 18, the account can continue as a regular NPS account after fresh KYC, or the child can exit under the rules in force. Under guidelines announced in January 2026, a corpus below ₹8 lakh can be withdrawn fully, while a larger corpus allows up to 80% as a lump sum with at least 20% used for an annuity. This NPS Vatsalya calculator projects the corpus and shows which rule applies.
How does the NPS Vatsalya Calculator work?
The calculator adds the yearly contribution at the start of each year and grows the balance at the expected return until the child turns 18. It then grows that corpus, with no further contributions, to age 60 at the second return rate you choose.
How to use the NPS Vatsalya Calculator step by step
- Enter the child’s age.
- Enter the yearly contribution (at least ₹1,000).
- Set the expected return until 18.
- Set the return from 18 to 60 if the account stays invested.
- Read the corpus at 18 and the exit rule.
- Check the age-by-age table.
NPS Vatsalya Calculator example with real numbers
You open an NPS Vatsalya account for your 2-year-old and contribute ₹25,000 a year until 18, expecting a 10% return.
| Example input | Value |
|---|---|
| Child's age now | 2 years |
| Yearly contribution | ₹25,000 |
| Expected annual return | 10% |
| Return from 18 to 60 (if left invested) | 9% |
| Example output | Value |
|---|---|
| Estimated corpus at 18 | ₹9,88,618 |
| Total contributed | ₹4,00,000 |
| Growth | ₹5,88,618 |
| Exit option at 18 | Up to 80% as lump sum, at least 20% into an annuity |
| If left invested to 60 (no new contributions) | ₹3,68,92,768 |
The NPS Vatsalya calculator estimates a corpus of ₹9,88,618 at 18, from ₹4,00,000 of contributions. Left invested with no new money until 60, it could grow to ₹3,68,92,768.
Key features of this NPS Vatsalya Calculator
- Corpus at 18 and at 60
- Exit rule check
- Age-by-age table
- Any age from 0 to 17
- Simple yearly contributions
Who should use the NPS Vatsalya Calculator?
Who is this NPS Vatsalya Calculator for?
- Parents and grandparents
- Families comparing NPS Vatsalya, SSY and PPF
- Financial advisers
- Anyone planning a child’s long-term savings
Practical use cases
- Estimating the corpus at 18
- Choosing a yearly contribution
- Seeing the power of leaving it to 60
- Comparing with SSY for a daughter
Key benefits
- Long-term view: 18 and 60.
- Rule-aware: exit option shown.
- Flexible: any contribution.
- Clear: yearly table.
Tips for better results
- Choose the asset mix (auto or active) that suits a long horizon.
- Contributions qualify within the extra ₹50,000 NPS deduction under the old regime, shared with your own NPS.
- Partial withdrawals before 18 are limited to 25% of contributions for specific needs.
- Revisit the plan when the child turns 18.
Common mistakes to avoid
- Expecting full liquidity; money is meant for the long term.
- Ignoring that exit rules can change.
- Over-contributing at the cost of your own retirement.
- Assuming a fixed return.
Limitations of this NPS Vatsalya Calculator
- It assumes constant returns.
- Annuity outcomes and taxes are not modelled.
- Rules are as announced in January 2026 and may change.
NPS Vatsalya Calculator vs other ways to calculate
| Scheme | For | Return | Access |
|---|---|---|---|
| NPS Vatsalya | Any child under 18 | Market-linked | Limited before 18 |
| Sukanya Samriddhi | Girl under 10 | 8.2% | Partial at 18 |
| PPF (minor) | Any child | 7.1% | Partial after 7 years |
| Child SIP | Any | Market-linked | Any time |
For a daughter, compare with the Sukanya Samriddhi calculator. For your own NPS, use the NPS calculator.
Privacy and data handling
This NPS Vatsalya Calculator runs entirely in your browser. The numbers you type are not sent to Qorico or stored on any server, and nothing is saved after you close the page. The Copy and Download buttons create the result on your own device. If the page has analytics turned on, it may count that a calculation happened, but it does not record the values you entered.
NPS Vatsalya Calculator FAQs
What is NPS Vatsalya?
An NPS account for a minor, opened and operated by a parent or guardian, which becomes a regular NPS account at 18.
What is the minimum contribution?
₹1,000 a year, with no upper limit.
What happens at 18?
The child completes fresh KYC and can continue in NPS or exit. Under January 2026 guidelines, a corpus below ₹8 lakh can be withdrawn fully; otherwise up to 80% as a lump sum and at least 20% in an annuity.
Can I withdraw before 18?
After 3 years, up to 25% of contributions can be withdrawn for education, specified illness or disability, up to three times.
Is there a tax benefit?
Under the old regime, contributions can be claimed within the ₹50,000 NPS deduction (familiar as Section 80CCD(1B)), shared with your own NPS.
NPS Vatsalya or SSY?
SSY gives a fixed 8.2% for girls; NPS Vatsalya is market-linked and open to any child.
Related tools
Sources and references
We checked the method and the current figures used in this NPS Vatsalya Calculator against these official and primary sources:
- PFRDA: Pension Fund Regulatory and Development Authority
- NPS Trust
- Protean CRA: NPS
- Income Tax Department of India
Written and reviewed by the Qorico Team
