New NPS Exit Rules 2025: Ab 80% Withdrawal Allowed, ₹8 Lakh Tak Full Withdrawal

NPS investors ke liye ek badi aur relief bhari update aayi hai. PFRDA (Pension Fund Regulatory and Development Authority) ne National Pension System (NPS) Exit Rules 2025 notify kar diye hain. In naye rules ke under non-government subscribers ke liye annuity purchase ka rule kaafi flexible bana diya gaya hai.

Ab sabse bada sawal ye hai—kaun kitna paisa nikaal sakta hai aur kaunse conditions par?
Chaliye simple Hinglish mein poora matter samajhte hain.

Naye NPS Exit Rules mein Sabse Bada Change Kya Hai?

Pehle tak non-government NPS subscribers ko apne total pension corpus ka minimum 40% annuity mein lagana mandatory tha.
👉 Ab ye limit sirf 20% kar di gayi hai, wo bhi kuch specific conditions ke saath.

Matlab ab retirement ke time aapke paas zyada lump sum paisa hoga.

20% Annuity Rule Kin Par Lagu Hoga?

Naye rules ke according, agar aap non-government subscriber hain, to sirf 20% pension wealth annuity mein invest karna padega, agar:

Aapne minimum 15 years NPS complete kar liye hain, ya
Aap 60 saal ki age complete kar chuke hain, ya
Aap retire/superannuate ho chuke hain

Baaki ka 80% corpus aap:

Lump sum nikaal sakte hain, ya
Systematic withdrawal (instalments) ke through le sakte hain

₹8 Lakh Tak Full Withdrawal Ka Option

Yahan pensioners ke liye sabse achhi news hai 👇

👉 Agar aapka total NPS corpus ₹8 lakh ya usse kam hai, to:

Annuity lene ki koi zarurat nahi
Poora paisa lump sum ya periodic payout ke through nikaal sakte hain

₹8 Lakh se ₹12 Lakh Tak Corpus Walon Ke Liye Rule

Agar total pension wealth:

₹8 lakh se zyada aur
₹12 lakh se kam hai

Toh:

Aap ₹6 lakh tak lump sum nikaal sakte hain
Baaki amount systematic withdrawals, unit redemption ya annuity ke through milega (minimum 6 saal ke liye)

Early Exit Karne Walon Ke Liye Koi Rahat Nahi

Agar koi subscriber:

15 years complete hone se pehle
60 years age se pehle
Retirement se pehle

NPS se exit karta hai, to:
👉 80% corpus annuity mein lagana mandatory hoga

Exception:
Agar total pension wealth ₹5 lakh ya usse kam hai, to poora amount lump sum ya installments mein nikaala ja sakta hai.

Annuity Purchase Ab 85 Saal Tak Defer Kar Sakte Hain

Non-government subscribers ke liye ek aur bada benefit:

Aap annuity purchase ya lump sum withdrawal ko 85 years age tak defer kar sakte hain
Iske liye NPS Trust ya PFRDA authorised entity ko request deni hogi

Is beech aap jab chahein tab exit bhi kar sakte hain.

60 Saal ke Baad NPS Join Karne Walon Ke Liye Rule

Agar koi individual:

60 years ke baad aur 85 se pehle NPS join karta hai

To:

20% corpus annuity mein lagega
Baaki amount lump sum ya periodic payouts mein milega

Agar total corpus ₹12 lakh ya usse kam hai, to poora paisa nikaalne ka option bhi milega.

Government Subscribers Ke Liye Kya Badla?

Government employees ke liye rules largely same hain:

Retirement ke baad bhi 85 saal tak NPS mein reh sakte hain
Exit ke time minimum 40% corpus annuity mein lagana hoga
Baaki amount lump sum ya instalments mein milega

Conclusion

नए NPS Exit Rules 2025 से non-government subscribers को बड़ी राहत मिली है। अब रिटायरमेंट पर ज्यादा पैसा हाथ में मिलेगा और annuity की बाध्यता कम हो गई है। खासकर ₹8 लाख तक के corpus वालों के लिए यह बदलाव बेहद फायदेमंद है। हालांकि early exit करने वालों के लिए नियम सख्त ही रखे गए हैं। कुल मिलाकर, ये बदलाव NPS को और ज्यादा flexible और investor-friendly बनाते हैं।