New Delhi Pension 2 Lakh Rupees: As soon as someone crosses the age of 40, he starts thinking about retirement. Most of the people are so worried about their retirement that they save a good amount of money to live a good life in the future. For this, they are looking for the right place so that they can continue to get regular income. If you are thinking of something like this, then we have brought a great option for you.
Understand the complete calculation here
Let us tell you that to get a pension of Rs 2 lakh every month, the NPS corpus should be Rs 4.02 crore on maturity. If we assume that the total corpus will give 6% return after 20 years. In such a situation, you will have to buy 40 percent annuity. This means you will need to use Rs 1.61 crore to buy the annuity. After which after turning 60, you will have Rs 2.41 crore together.
Know how to get pension of Rs 2 lakh
On the other hand, if you do not get good enough returns to pay pension every month, then you can invest the tax free amount in debt instruments or in debt and equity. If you use 40 percent of the total corpus to buy annuity, you will get a monthly pension of Rs 80,398. You will get Rs 1,20,597 monthly from a debt instrument at 6 percent return. In this way you will get a monthly pension of Rs 2,00,995 on investment.
How will Rs 4.02 crore be accumulated in 20 years?
According to the NPS website, as soon as you start investing at the age of 40, you will have to deposit Rs 52,500 monthly in NPS for the next 20 years. It can have equity exposure of around 50 per cent and even more, which gives you excellent returns over a long period of 20 years. Assuming an annual return of 10 percent, the total NPS corpus will be Rs 4.02 crore.
