UPS vs NPS Calculator — Levels 1–14 ROR 8.0% · Annuity 6.5%

Date of Birth *

Date of Joining *

Date of Retirement (optional)

Level of joining (1–14) *

Expected ROR (annual, %)

Expected % to Annuitize (0–100)

Annuity Rate (annual, %)

Promotion details (optional)

Add promotions if applicable. In the promotion month, basic becomes the higher of the promoted level’s base for the CPC in force or the already incremented basic.

NPS contributions: Employee 10% + Govt 14% of (Basic + DA).