Starting at age 25, you pay ₹376 a month until 60. That is ₹1,57,920 put in over 35 years. In return the government guarantees ₹5,000 a month for life from age 60, the same pension to your spouse afterwards, and ₹8,50,000 back to your nominee at the end. The contribution is fixed, not a market projection.
| Entry age | ₹1,000 | ₹2,000 | ₹3,000 | ₹4,000 | ₹5,000 |
|---|---|---|---|---|---|
| 18 | 42 | 84 | 126 | 168 | 210 |
| 19 | 46 | 92 | 138 | 183 | 228 |
| 20 | 50 | 100 | 150 | 198 | 248 |
| 21 | 54 | 108 | 162 | 215 | 269 |
| 22 | 59 | 117 | 177 | 234 | 292 |
| 23 | 64 | 127 | 192 | 254 | 318 |
| 24 | 70 | 139 | 208 | 277 | 346 |
| 25 | 76 | 151 | 226 | 301 | 376 |
| 26 | 82 | 164 | 246 | 327 | 409 |
| 27 | 90 | 178 | 268 | 356 | 446 |
| 28 | 97 | 194 | 292 | 388 | 485 |
| 29 | 106 | 212 | 318 | 423 | 529 |
| 30 | 116 | 231 | 347 | 462 | 577 |
| 31 | 126 | 252 | 379 | 504 | 630 |
| 32 | 138 | 276 | 414 | 551 | 689 |
| 33 | 151 | 302 | 453 | 602 | 752 |
| 34 | 165 | 330 | 495 | 659 | 824 |
| 35 | 181 | 362 | 543 | 722 | 902 |
| 36 | 198 | 396 | 594 | 792 | 990 |
| 37 | 218 | 436 | 654 | 870 | 1,087 |
| 38 | 240 | 480 | 720 | 957 | 1,196 |
| 39 | 264 | 528 | 792 | 1,054 | 1,318 |
| 40 | 291 | 582 | 873 | 1,164 | 1,454 |
Figures are the government-notified monthly contribution. For quarterly billing multiply by 3, for half-yearly multiply by 6. The chart is fixed by scheme rules, so it does not change with markets or the calendar quarter.