A 30-year-old who invests ₹1 lakh per month in National Pension System at assumed 10% annual return can see total contribution of ₹3.6 crore grow to over ₹20 crores by age 60, a Moneycontrol report said. At retirement, 60% can be withdrawn, while 40% goes into an annuity. At 6% annuity rate, this gives monthly pension of about ₹4.13 lakh.