In present India, very few people work in government jobs. Rather, a large part of the country is dependent on private jobs. And the problem is, if you work in the private sector, you will not get anything other than PF pension after retirement. And the PF pension is also very small. So, after retirement, private sector employees face a lot of problems.

However, there is no point in thinking too much about this. Rather, if you plan at the right time and properly, you can get a pension of Rs 50,000 per month after retirement. Along with this, you can get Rs 4 crore as a lump sum.

Are you wondering which scheme I am talking about? Then listen, in this case, the National Pension Scheme (NPS) is being talked about. If you put a little money in this scheme, you will get a good amount of pension.

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Actually, NPS is a scheme through which you can get pension. Along with this, you can also get a large lump sum of money. In this case, 80 percent of the deposit can be withdrawn. And the remaining 20 percent can be used to buy an annuity. You will get money every month through this annuity.

How to get a pension of Rs 50,000?

Getting a pension of Rs 50,000 means Rs 6 lakh per year. Let’s say you get a return on the annuity at the rate of 6 percent every year. This simply means that you have to deposit a corpus of Rs 1 crore. Only then will you get a pension of Rs 50,000.

What is the calculation?

  • Annual pension of Rs 600,000
  • Interest rate of 6 percent
  • In this case, if you can buy an annuity of Rs 1 crore, then you can get a pension of Rs 50,000.
  • Now the question is, how much corpus will be required to buy an annuity of Rs 1 crore? Let’s find out that calculation too.
  • According to experts, if you buy an annuity of 1 crore rupees and want a monthly pension of 50,000 rupees, you will have to deposit a corpus of 5 crores.

How much money should you invest every month?

  1. If you start investing from the age of 25, then you will have to invest till the age of 35
  2. In that case, you will have to invest 14,000 to 15,000 rupees per month
  3. Assuming that you will get an interest rate of 10 percent, in which
  4. In this, you can save 5 crores rupees in 60 years
  5. You can withdraw 80 percent of it, that is, 4 crores rupees
  6. Again, buy an annuity with 20 percent of the total deposit or 1 crore
  7. Then you will get a lot of money in your hand. Along with this, you will also get a pension of 50,000 rupees.