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COMPARISON BETWEEN NPS & UPS WITH EXPECTED FUTURE FIGURES & ASSUMPTIONS
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EDIT IN BLUE COLOUR CELLS ONLY
CALCULATION DETAILS & PARAMETERSNPSUPS
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AmountRATEVALUEAmountRATEVALUE
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DATA ENTRY
1. Total Corpus Value on DOR
 ₹ 24,162,528 ₹ 20,135,401
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SERVICE / SALARY DETAILS
2. Withdrawal Permissible (Default upto 60%)
60 ₹ 14,497,517 42.5 ₹ 8,557,545
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1. Present BP:48200
3. Net Corpus Value for Pension
 ₹ 9,665,011 ₹ 11,577,856
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2. Present DA Rate:55
4. Average Basic Pay for last 12 months
 N.A ₹ 75,575
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3. Increment Month:Jul
5. Eligible monthly Pension/Assured Payout
6 ₹ 48,325 ₹ 37,788
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4. Date of Retirement:Oct/41
6. Admissible Payout (in case of Final Withdrawal)
 ₹ - ₹ 21,728
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5. Total Qualifying Service (months)432
7. DR on Assured Payout
 ₹ - ₹ 10,212
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NPS DETAILS
8. Expected Monthly Pension
 ₹ 48,325 ₹ 31,940
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5. Present Total Corpus in NPS
3469317.34
Yield from alternate Investment for NPS/UPS Subscribers out of:
31%
<-- Re-Invest%
Amount 53%
<-- Re-Invest%
NPS Net WdlUPS Net Wdl
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6. Expexted Rate of Return from NPS
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i) Monthly return on deposit in SCSS
 ₹ 3,000,000 8.2 ₹ 18,450 ₹ 3,000,000 8.2 ₹ 18,450 114975175557545
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7. Expected Return from Annuity6
ii) Monthly Interest on MIS Deposits-Joint
 ₹ 1,500,000 7.4 ₹ 9,250 ₹ 1,500,000 7.4 ₹ 9,250 99975174057545
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8TH CPC SALARY DETAILS
iii) Invset in any SWP (Systemic Wdl. Plan)/5TD
 ₹ - ₹ - 99975174057545
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7. Consider hike in BP due to next CPC
Yes
9. Final Monthly Income erned
 ₹ 76,025 ₹ 59,640
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8. Expected DA on 8th CPC effect Date
2
10. FINANCIAL BENEFITS EARNED - COMPARISON
NPSUPS
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9. Expected Basic Pay hike in 8th CPC
2.00
(a) Net Final Withrawal after re-invest if any
 ₹ 9,997,517 ₹ 4,057,545
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(b) Shortfall Amount to be replenished on retirement
 ₹ - ₹ -38
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(c) Lumpsum Payout from UPS for No. of completed 6 months
 ₹ - ₹ 818,143
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Compiled by:BIJU MON S Queries to: bjusoman@gmail.com
NET TOTAL FINANCIAL BENEFIT
 ₹ 9,997,517 ₹ 4,875,650
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NPS IS BETTERBenefit in NPS >>> ₹ 5,121,866
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Suggestion is based on Net Amount receivable only. Get expert opinion before submitting your option.
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All Calculations are done based on some assumptions. Hence actual amount may vary. Return from NPS always have risk and it's ROI depends on market fluctuations. Please refer proper notifications.
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