NPS Withdrawal Rules: Get 100% of Your Money? Understand the ₹5 Lakh Limit

• New PFRDA rules clarify NPS withdrawal options upon retirement or premature exit.
• If your NPS fund is ₹5 lakh or less at retirement (age 60), you can withdraw 100% of the amount.
• For funds above ₹5 lakh at retirement, 60% can be withdrawn as a lump sum, and 40% must be used for a pension.
• Premature exit (before age 60) allows 100% withdrawal if the fund is up to ₹2.5 lakh.
• Partial withdrawals are permitted after 3 years for specific needs like education or housing, tax-free.