NPS Swasthya: Withdraw 25% for Health Costs?

NPS Swasthya is a health top-up plan linked to your NPS account. PFRDA rules let you withdraw up to 25% of your own contributions for medical needs. Premiums start at under ₹1,800 a year — here's what it actually covers and when you can access the money.

Here's what happened: PFRDA rules permit NPS subscribers to withdraw up to 25% of their own contributions for specified critical illnesses, after 3 years of membership and up to 3 times during the entire tenure.. NPS Swasthya is a health insurance top-up plan offered in partnership with a private insurer, with annual premiums ranging from approximately ₹1,732 to ₹29,743 depending on sum insured and subscriber age.. The plan is designed to complement the partial withdrawal facility — the insurance covers hospitalisation costs while the withdrawal rule gives subscribers emergency liquidity from their own accumulated corpus..

What you should do: Log in to your NPS account on the CRA portal (NSDL or KFintech) and check your total self-contribution balance — multiply by 0.25 to know your maximum medical withdrawal limit.. Compare the NPS Swasthya premium quote against a standalone health top-up plan on an IRDAI-regulated aggregator before buying — check sum insured, waiting periods, and co-payment clauses carefully.. If you plan to make a partial withdrawal, download and submit Form 601 (partial withdrawal) to your nodal office or online via CRA — keep your medical documentation and specialist certificate ready as PFRDA requires proof of eligible illness..

The 25% NPS withdrawal limit resets on your contributions, not your total corpus — if you've contributed ₹8 lakh over the years, your ceiling is ₹2 lakh, regardless of how much your account has grown.

If this affects your borrowing choices, compare current personal loan options from 100+ lenders on GoCredit.