NPS PRIDE - DISHA

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About NPS PRIDE DISHA
Purpose
Key Features
How to use
Understanding results

About NPS PRIDE DISHA

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The NPS PRIDE (P-Pension Fund | R-Returns for | I-Informed | D-Decision & | E-Empowerment) DISHA is a comparison and decision-support tool developed to help subscribers evaluate the historical performance of schemes and pension funds under the National Pension System (NPS). The calculator uses daily Net Asset Value (NAV) history to compute investment outcomes using the Extended Internal Rate of Return (XIRR) methodology, enabling realistic, time-weighted performance comparisons. 

This tool empowers users to make informed retirement planning decisions by analysing how regular monthly contributions would have grown across different pension funds over a chosen review period. 

Purpose

The calculator has been designed to: 

  • Improve transparency in pension fund performance evaluation 
  • Enable informed comparison between pension schemes 
  • Help subscribers understand long-term retirement wealth creation 
  • Promote data-driven investment decision-making 

Unlike point-to-point return indicators, this tool evaluates performance based on actual cash flow timing, reflecting real investment behaviour. 

Key Features

✔ Historical NAV-Based Computation 
Uses verified daily NAV data for accurate performance analysis. 

✔ Monthly SIP Simulation 
Models realistic monthly contributions aligned with investment dates. 

✔ XIRR-Based Returns 
Computes annualised returns using actual cash flow timing. 

✔ Corpus Amount Display 
Shows the final accumulated corpus at maturity, calculated using actual contributions, NAV growth, and compounding—giving users a clear view of their projected wealth. 

✔ Scheme and Pension Fund Comparison 
Allows selection of schemes and pension funds in an intuitive visualization. 

✔ Market-Wide Benchmarking 
Displays performance of all eligible pension funds for contextual comparison. 

✔ Visual Insights 
Bar charts present corpus accumulation and return comparisons clearly. 

How to use

Step 1: Enter Basic Information
Users are required to input:
●    Date of Birth
●    Date of Investment (must be a past date)
●    Monthly Contribution Amount

Step 2: Select Schemes
Users may select up to two schemes to compare.

Step 3: View Results
The calculator displays:
●    Accumulated corpus value
●    XIRR (%) returns
●    Visual bar-graph comparisons across pension funds

Understanding results

Total Corpus
Represents the total value of investments accumulated over the selected period using historical NAVs at the completion of review period.

XIRR (%)
Reflects the annualised rate of return based on the timing and amount of each contribution and the final portfolio value.


Graphical Comparison
Bar charts allow users to visually compare outcomes across funds and schemes for easier interpretation.
 

Quick Links
NPS PRIDE DISHA