NPS Partial Withdrawal 2026: 25% Kab Nikal Sakte Hain? Medical, Home, Education Rules
NPS ek long-term retirement savings vehicle hai — sirf 60 saal pe pura paisa milta hai. Lekin kuch specific situations mein age 60 se pehle partial withdrawal allowed hai. Maximum 25% of your own contributions (employer ka nahi, government ka nahi — sirf apna) — woh bhi specific conditions meet karne pe.
PFRDA ke 2018 circular ke baad partial withdrawal rules simplify hue hain — ab online process available hai eNPS portal par bina employer/nodal office ke intervention ke bhi (certain cases mein).
NPS Partial Withdrawal — 3 Core Rules: (1) Minimum 3 saal NPS mein hona chahiye | (2) Maximum 25% of own contributions (employee share only, employer/govt share excluded) | (3) Lifetime mein maximum 3 baar — har request ke beech minimum 5 saal (except critical illness)
NPS Partial Withdrawal — Eligible Conditions
| Purpose | Min Service | Max Amount | Documents |
|---|---|---|---|
| Higher education (self/children) | 3 years | 25% of own contributions | Admission letter + fee structure |
| Marriage (self/children/siblings) | 3 years | 25% of own contributions | Wedding invitation/certificate |
| Home purchase/construction | 3 years | 25% of own contributions | Sale deed/builder agreement |
| Home repair/renovation | 3 years | 25% of own contributions | Estimate/bills from contractor |
| Critical illness (self/family) | No minimum | 25% of own contributions | Doctor certificate + hospital bills |
| Disability (permanent) | No minimum | 25% of own contributions | Medical board certificate |
| Skill development (self) | 3 years | 25% of own contributions | Course details, institution proof |
| Startup/entrepreneurship (self) | 3 years | 25% of own contributions | Business plan/registration proof |
25% Calculation — Kya Count Hoga, Kya Nahi?
Yeh bahut important hai — galat calculation se rejection ho sakta hai:
- Count hota hai: Employee ki own contributions (salary se katne wala/voluntary contributions)
- Count nahi hota: Employer contributions | Government contributions | Returns/appreciation on any contributions
- Example: Aapne Rs 5 lakh khud contribute kiya, employer ne Rs 5 lakh, corpus ab Rs 15 lakh hai → Max partial withdrawal = 25% of Rs 5 lakh = Rs 1.25 lakh
Common Mistake: Bahut log total corpus ka 25% samajh lete hain. Sirf apna (employee's) contribution ka 25% milega — employer share aur returns excluded. eNPS portal automatically calculate karta hai — lekin pehle se estimate karo confusions avoid karne ke liye.
Critical Illness — Special Rules
Medical emergency mein zyada flexibility hai:
- No minimum service period required
- Covered diseases: Cancer, kidney failure, heart surgery, stroke, organ transplant, Alzheimer's, Parkinson's, multiple sclerosis, aur PFRDA-notified list
- Family members covered: Spouse, children, parents, parents-in-law
- 5-year gap rule bhi applicable nahi — baar baar critical illness par withdraw kar sakte hain (but 3 times lifetime limit)
Online Withdrawal Process — eNPS Portal
- enps.nsdl.com ya eNPS portal par login karein (PRAN + password)
- "Partial Withdrawal" section select karein
- Reason choose karein — purpose-based form fill hogi
- Amount enter karein (system 25% ceiling automatically check karega)
- Documents upload karein — PDF format, clear scan
- Aadhaar OTP verification (if available) ya physical submission
- Central/State govt employees: Nodal office approval required
- Corporate NPS: HR/Nodal officer approval required
- All-Citizen NPS: Direct online processing possible
Tax Treatment of Partial Withdrawal
NPS partial withdrawal completely tax-free hai — Section 10(12B) ke under. Yeh 25% withdrawal ke par Income Tax lagti nahi — chahe old regime ho ya new regime. Yeh EPF advance se different nahi hai is angle se — both are tax-free withdrawals from retirement corpus.
Partial Withdrawal ke Baad Contribution Continue Karna
Partial withdrawal karne ke baad NPS account active rehta hai. Contributions jari rakhni chahiye — sirf poori retirement corpus milega tab jab 60 saal complete ho. Partial withdrawal retirement corpus reduce karta hai permanent — contribution se wapas rebuild kar sakte hain time ke saath.
Early Exit (Before 60) — Full Withdrawal Ke Rules
Yeh partial withdrawal se alag hai — full premature exit ki condition:
- Minimum 5 saal service ke baad early exit possible
- Sirf 20% lump sum milega — 80% mandatory annuity purchase karna hoga
- Corpus Rs 2.5 lakh se kam hai toh full withdrawal allowed
- Agar NPS se resign ho toh 40% annuity rule applies (less restrictive than 80% early exit)
Sources
NPS Corpus aur Withdrawal Eligibility Track Karo
NPS contributions, partial withdrawal limits aur retirement planning ek jagah.
Mulazim Join Karo — Free