Withdrawal & Exit Rules
Understand Your Liquidity Options Throughout the NPS Tenure
The Liquidity Timeline
NPS is designed for retirement, but it provides flexibility for your life's important milestones.
Partial Withdrawal Begins
Allowed up to 3 times during the entire tenure for specific reasons.
Limit: 25% of own contributionsTier II Withdrawal
Tier II account is fully liquid. Withdraw any amount, anytime without restrictions.
Limit: 100% LiquiditySuperannuation (Maturity)
The standard exit point for NPS subscribers.
Reasons for Partial Withdrawal
Higher Education
For children's higher education, including vocational courses.
Marriage
For the marriage of children (son or daughter).
Home Construction
For purchase or construction of your first residential house or flat.
Medical Emergencies
Treatment of specified critical illnesses for self, spouse, children, or parents.
Startup/Skill Dev
Newer provisions allow withdrawals for skill development or starting a venture.
Premature Exit
If exiting before 60, 80% must be used for annuity unless corpus is < ₹2.5L.
In Case of Death
In the unfortunate event of the subscriber's death, the **entire accumulated pension corpus (100%)** is paid to the nominee or legal heir of the subscriber as a lump sum. There is no mandatory annuity requirement for nominees.