Use case - Retirement
Building a retirement corpus - what today's EPF and NPS rules add up to
EPF interest, the NPS equity cap and VPF top-ups quietly decide the number you retire on. Niyam projects your corpus from your current balances and contribution rate, then shows what one or two adjustments would add by the time you are 60.
Who it is for
- Salaried professionals in their 30s who want a real projection, not a guess
- Anyone weighing VPF, NPS and an equity SIP for long-term money
- People who want to see the cost of leaving NPS on its default allocation
What Niyam does
Projects from your real balances
Niyam uses your EPF and NPS balances, contribution rate and salary growth to project the corpus at your chosen retirement age.
Models the levers side by side
It shows what raising VPF or switching NPS to 75% equity would add over the same horizon, so the trade-off is concrete.
Tracks the rule changes
When EPFO revises the interest rate or the NPS equity cap moves, your projection updates and flags the difference.
Sample report
A preview of what you would get
Generated from a sample profile. Your own report runs on your real salary, investments and the latest published rules. The figures below are illustrative.
Personalised report - sample
Projected to age 60
On today's contributions you reach about Rs 5.8 crore. Two moves push it past Rs 7 crore.
Raising VPF and moving NPS to 75% equity adds an estimated Rs 1.24 crore over 28 years.
Profile Engineering lead - age 32 - corpus Rs 14,20,000 - retires 2054
- Projected corpus at 60
- Rs 5.8 crore
- With both moves
- Rs 7.04 crore
- Monthly gap to Rs 8 crore
- Rs 18,500
Today's contribution rate
VPF plus 75% NPS equity
Extra SIP needed
Figure
Projected corpus by vehicle at 60
- EPF plus VPFRs 3.1 crore
- NPSRs 1.9 crore
- Equity SIPRs 2.04 crore
Illustrative at 7.1% EPF and 11% equity, before inflation.
Recommended actions
- Action needed:Raise VPF so EPF and VPF capture more of the 7.1% compounding+Rs 62 lakh
- Action needed:Switch NPS to the 75% equity active choice while you are young+Rs 62 lakh
- Good to know:Start an Rs 18,500 monthly index SIP to reach Rs 8 croreCloses the gap
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