NPS Se 60 Se Pehle Nikalna Chahte Hain? 80% Annuity Ka Rule Samjhein - Premature Exit Poori Guide (2026)

Retirementsepehle NPSclose karne ka decision annuity aur liquidity par asar daalta hai. Standard premature exit mein minimum80%annuity hai, lekin current small-corpus exceptionRs5lakh dono sectors mein check karo. Partial withdrawal aur job-change account continuation alag options hain.

Yeh guide PFRDA (Exits and Withdrawals under the NPS) Regulations, 2015 ke Regulation 3(1)(b) aur Regulation 4(1)(b) par based hai, last amended 20 July 2026. Premature exit ko partial withdrawal se confuse mat karein - partial withdrawal mein account band nahi hota (us ke rules alag hain).

Premature Exit Kya Hai - Normal Exit Se Kya Fark Hai?

Normal-exit eligibility sector aur applicable trigger par depend karti hai. Private sector mein15-year subscription (ya scheme ka higher period) bhi trigger ho sakta hai; government sector mein service-rule retirement grounds relevant hain. Job change alone account closure compulsory nahi karta.

• Government sector: Superannuation age se pehle resignation, voluntary closure, dismissal, ya employer ke order par removal/premature discharge (jo invalidation ya specified VRS grounds mein nahi aata)
• Non-government:4(1)(a) ka koi applicable normal-exit trigger meet hone se pehle voluntary closure.15 years subscription or scheme higher period, age 60, aur service-rule retirement alag eligibility triggers hain; under 60 hona alone premature ka proof nahi.

Government invalidation/disability/premature retirement with employer certification aur specified CCSNPS 2021 grounds 3(1)(d) se normal-exit treatment paa sakte hain.20 year regular-service ground ko har resignation ka blanket exemption mat samjho. Written exit classification lo.

80% Mandatory Annuity - Dono Sectors Ke Liye Same Rule

Premature exit par, chahe government employee ho ya private sector - accumulated corpus ka kam se kam 80% mandatory annuity purchase mein lagana hoga. Sirf remaining 20% lump sum ya periodic payout ke form mein milta hai.

Annuity purchase requirement retirement-income allocation hai, government fine ya cash loss nahi. Chosen contract ki pension, spouse option, return terms aur opportunity cost compare karo.

Annuity Kahan Se Kharidni Hogi?

PFRDA ke empanelled annuity service providers (life insurance companies) se annuity kharidni hogi. Aap apni pasand ka annuity type choose kar sakte hain - default annuity (subscriber + spouse + family coverage with return of purchase price) ya koi dusra approved annuity type. List PFRDA/NPS Trust website par available hai.

Government Sector Premature Exit - Corpus Rs 5 Lakh Tak Exception

Government sector employees ke liye (Regulation 3(1)(b)): agar aapka total accumulated corpus Rs 5 lakh ya usse kam hai, toh aapko annuity kharidne ki zaroorat nahi - poora corpus lump sum ya Systematic Lump Sum Withdrawal (SLW) / Systematic Unit Redemption (SUR) ke form mein le sakte hain.

Rs 5 lakh se zyada corpus par standard 80/20 rule lagu hota hai - 80% annuity mandatory, 20% lump sum.

Private Sector / Non-Govt Premature Exit - Corpus Rs 5 Lakh Tak Exception

Current Regulation 4(1)(b): corpusRs 5 lakh ya approved limit tak entire accumulated wealth lump sum/approved periodic options mein withdraw karne ka option hai. AboveRs 5 lakh standard minimum 80%annuity with balance lump sum/approved periodic payout. OldRs 2.5 lakh threshold substituted historical text hai, current private-sector limit nahi. Govt 3(1)(b) ka current limit bhiRs 5 lakh hai.

Disability Ki Wajah Se Exit - Alag Treatment

Non-government disability exit current 4(1)(d) ke under normal-exit manner 4(1)(a) use karta hai, required medical certification ke saath. Certificate nature/extent, regular duties inability, likely remaining-life inability aur disability above 75% specify karta hai. Government case 3(1)(d) employer certification/service rules ke saath assess hota hai.

• Government surgeon ya doctor se disability certificate zaroori hai
• Disability 75% se zyada honi chahiye
• Subscriber apne regular duties perform karne mein unable hona chahiye

Kya Premature Exit Se Pehle Partial Withdrawal Better Option Hai?

Agar aapko emergency funds chahiye lekin NPS permanently band nahi karna, toh partial withdrawal ek better option ho sakti hai - kyunki:

• Account band nahi hota
• Sirf limited amount nikaali jaati hai (conditions ke saath)
• 80% annuity ka rule nahi lagta

Partial withdrawal ke liye kum se kum 3 saal NPS mein hona zaroori hai, aur specified purposes ke liye hi allowed hai - poori detail ke liye dekhein: NPS Partial Withdrawal Guide.

Premature Exit Ka Process - Practically Kya Karein

1. Apna sector identify karein - government ya non-government, aur corpus size check karein.
2. Applicable premature-exit form current registered CRA/POP/nodal office se confirm karo; fixed unverified form number use mat karo.
3. Annuity provider aur type choose karein - list NPS Trust website par available hai.
4. Bank details verify karein - lump sum wala 20% hissa aapke registered account mein aayega.
5. Annuity purchase confirm hone ke baad monthly pension start hogi annuity provider se.

Tax treatment ke liye ek CA se current Income Tax Act ki position confirm karein - PFRDA regulations tax rules nahi define karti.