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PFRDA Regulated

NPS Vatsalya

NPS Vatsalya is a long term savings scheme for minors. It helps build long-term wealth through early, disciplined investing. 

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Upto 14%*

Historical blended returns

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No Cap

Maximum investment limit

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Key Features

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Market-linked growth

Funds are invested across equity, corporate bonds & government securities. It has generated up to 14% returns*.

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Seamless transition at 18

Account control shifts from you to your child. Options to either continue with NPS or exit with 0 impact on corpus.

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Built-in safeguards

Funds protected in all circumstances. New guardian appointed if needed. Corpus intact regardless of family changes.

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Partial Withdrawals allowed

Partial withdrawals allowed after 3 years from account opening in case of need like education, medical emergencies etc. Up to 25% of your contribution can be withdrawn.

How does NPS Vatsalya works ?

Open account

Guardian opens the account (minimum investment ₹250 /-)

Minor years

Guardian manages the account. Partial withdrawals allowed for specific scenarios like education.

Once the Child turns 18

Option to Continue or Exit the NPS Account (If the accumulated corpus is ₹8 lakh or less, 100% can be withdrawn as a lump sum).

* Returns shown are for equity schemes as published on the NPS Trust website.

ⓘ NPS Vatsalya is regulated by PFRDA under the PFRDA Act, 2013. Market-linked investments carry risk. Past returns are not indicative of future performance. Tax benefits (80C + 80CCD(1B), up to ₹2 lakh) are available under the old tax regime only. Please read scheme guidelines before investing.

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Estimated breakdown of Monthly expenses

Feel free to adjust as you wish

Current household spend would be used to estimate the monthly expense post retirement..

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Understanding the calculations

Children's education

Did you know that IIM Ahmedabad fees has increased from 15.5 L in 2015 to 27.5 L in 2025 - 5.4% annualised change!

We have assumed 6% increase in fees every year

Children's wedding

The big Fat Indian wedding is constantly evolving with newer themes and a shift towards more experiential weddings

We have assumed 10% increase in wedding expense every year

Travel the world

International getaways are getting common but they don't come cheap!

We have assumed 6% inflation rate on travel

House

Real estate has been a key interest area for many investors which has led to sharp rise in prices in the recent times

We have assumed 8% annual increase in real estate prices

Emergency funds

Cost of medical treatment and healthcare services is rising at a rapid pace with advancement in medical technology

We have assumed 12% annual increase for any medical emergencies

Others

Did you know a Honda city costed 8 Lakhs in 2002 is now priced at 18 L (~4% annualised change)!

We have assumed a 5% annual inflation on these spends, you may want to buy a new car or plan a holiday etc.

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Inflation

Inflation is how prices of goods and services rise over time, meaning your money buys less than before. Simply put, things get more expensive each year

Change the inflation rate if you want
5 %
2% 8%

India's inflation trend for past few years

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Your savings amount
₹
These savings will become
On retirement @7% growth rate

/month invested for next years @12% CAGR would yield

Your current savings saved for next years @ % would yield

Your total corpus would be + =

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in Years
India
+91

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