NPS: Non-Govt Subscribers Can Now Withdraw 80% Corpus
By: Nikhil Pandey
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18 Dec 2025
PFRDA has revised National Pension System exit rules allowing non-government subscribers to withdraw to 80 pc corpus
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Earlier non-government NPS subscribers could withdraw only 60 pc while mandatory annuity consumed remaining funds
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The new framework sharply cuts compulsory annuity purchase to 20 pc for non-government exits now
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This change gives non-government NPS investors greater flexibility to deploy retirement savings independently at exit
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PFRDA says higher withdrawal limits align NPS with evolving financial needs of private subscribers better
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Non-government subscribers can also pledge NPS accounts for loans under regulator prescribed conditions formally now
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If total corpus is below eight lakh rupees, full withdrawal options remain available for subscribers
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Partial withdrawals for non-government NPS members increase to four, spaced across longer intervals as allowed
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Overall, the reforms prioritise liquidity and choice for non-government NPS exit planning at retirement stage
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The 80% withdrawal rule marks a significant liberalisation for private sector NPS subscribers nationwide
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