Retirement Planning

For completing proof of identity (PoI), NRIs will need to present their Indian passport, while OCIs may provide either their OCI card or a foreign passport.

Updated : Dec 3, 2025

NRIs and OCIs can now complete NPS KYC remotely as India eases onboarding requirements; check details

Under the revised framework, NRIs and OCIs can now undergo digital onboarding or modify their existing KYC details from any location worldwide. Necessary identity and address documents—such as passports, OCI cards, or overseas residential proofs—may be submitted electronically.

The Employees’ Pension Scheme, introduced in 1995, is one of India’s largest social security frameworks for organised sector workers.

Updated : Dec 2, 2025

EPS-95 pension hike: Is the government planning to raise the minimum pension amount?

EPS 1995 operates as a Defined Contribution–Defined Benefit social security scheme. The pension fund is financed through an employer contribution of 8.33% of wages and a central government contribution of 1.16% on wages up to Rs 15,000 per month. Benefits are disbursed from the accumulated corpus, which, as per the actuarial valuation dated March 31, 2019, reflects a deficit.

Calling for a mindset shift, he insists that a realistic retirement corpus in today’s India lies between ₹8-10 crore.

Updated : Nov 30, 2025

‘₹3 cr dream is dead’: Financial advisor breaks down the harsh reality of retirement in India

The expert dismantles the idea that the traditional ₹3 crore corpus can support a dignified retirement, adding that this does not include medical emergencies, travel, or major one-time expenses that typically rise with age.

A crucial pillar of the FIRE journey is knowing the target corpus, commonly estimated by multiplying annual post-retirement expenses by 25.

Updated : Nov 29, 2025

Is FIRE even realistic for Indian professionals in present times, what can I do to make early retirement doable?

India’s FIRE movement is growing fast, but the reality behind early retirement is far more complex. Rising living costs, limited social security and unpredictable medical expenses make the journey harder than most imagine. Experts say FIRE demands not just money— but discipline, structure and emotional readiness.

His advice is structured but blunt: build three buckets (safety, growth, legacy), triple your health cover, and rebalance every year.

Updated : Nov 28, 2025

Why India’s middle class may retire broke: Advisor reveals brutal financial reality

“Rich people don’t retire differently because they’re rich,” Guhaa concludes. “They’re rich because they retired differently.”

While short-term take-home pay may decline, Bangar argues the new regime delivers long-term financial security through enforced savings discipline.

Updated : Nov 26, 2025

'₹2.13 crore gain, ₹4,800 loss': Tax expert explains new labour law's impact on your salary

For a 30-year-old employee with a ₹12 lakh CTC, monthly PF contributions (from both employer and employee) will rise from around ₹7,200 to ₹12,000. This ₹4,800 monthly increase, when compounded over three decades, translates into a staggering ₹1.24 crore in additional PF savings.

The intent of the reform is clear: to formalize compensation structures and strengthen financial security for the workforce.

Updated : Nov 24, 2025

New labour law could quietly cut your salary even if your CTC stays the same

For employers, the move increases their own statutory burden. A higher basic pay means a higher employer contribution to PF and gratuity. Companies aiming to maintain payroll budgets may restructure pay without increasing total CTC, further impacting employee take-home.

Kaushik emphasized that a higher target—₹10 crore—is a more realistic benchmark.

Updated : Nov 24, 2025

'₹1 crore not enough': CA warns middle class their retirement plan may already fall short

A family with current annual basic expenses of ₹6 lakh will see that grow to roughly ₹19 lakh in 20 years. That means ₹1 crore would only fund about five years of basic living expenses—far from the multi-decade retirement many envision.

His core message: retirement is not about hitting a magic number, but having the freedom to say no. “Too many people chase a number. Very few chase a plan,” he wrote.

Updated : Nov 17, 2025

‘Even ₹10 crore is not enough to retire in India’: Founder busts a middle class myth

“Inflation doesn’t take a break just because you retired,” Maddala said, underscoring the need for realistic financial modeling. He stressed that asset allocation trumps corpus size, and that fixed deposits alone are no longer sufficient to sustain long-term needs.

DA is granted to serving government employees as a cost-of-living adjustment, whereas pensioners receive DR.

Updated : Nov 14, 2025

Govt denies claims of DA, pay commission cuts for pensioners; benefits remain intact

A claim circulating on social media has alleged the withdrawal of Dearness Allowance and Pay Commission benefits for central government pensioners. Official sources have refuted the claim, confirming that these post-retirement benefits remain unchanged for most pensioners, except in specific cases of dismissed absorbed PSU employees.

A growing chorus of personal finance voices is challenging India’s traditional view of retirement, arguing that the milestone is no longer defined by age but by financial independence.

Updated : Nov 13, 2025

Retirement redefined: Passive income, not 60 years, now marks true financial freedom, say experts

Retirement is no longer about turning 60 or leaving the workplace—it’s about achieving financial independence. As careers evolve and lifespans lengthen, the idea of a fixed retirement age is giving way to a more flexible, self-defined milestone.

Under the new rules, employees are allowed to make voluntary contributions under the Multiple Scheme Framework (MSF) within NPS.

Updated : Nov 13, 2025

Corporate NPS: PFRDA tightens rules on mutual agreement, annual reviews, clear investment choices

As per new rules, the PFRDA has now mandated that any decision relating to pension funds and investment choices must be made through a formal and mutual agreement between employers and employees.

The DoPPW explicitly mandates that daughters' names must be retained, confirming that actual pension eligibility will only be determined after the pensioner’s death.

Updated : Nov 12, 2025

Family pension rules: Government mandates retention of daughter’s name in family records for pension eligibility

As per current norms, all family members — including daughters — must remain listed in the official family records, even if they are not immediately eligible for family pension.

India’s transition from a “save first, spend later” economy to a “spend now, pay later” culture may offer short-term gratification—but the long-term price could be steep.

Updated : Nov 12, 2025

'That India is gone': Middle class now lives on credit, not savings, says founder

The shift is cultural as much as financial. “My parents’ generation didn’t like loans… If you couldn’t afford it, you didn’t buy it,” wrote Ashish Singhal, co-founder of CoinSwitch, in a LinkedIn post reacting to the data. “That India is gone.”

In an era of flashy investments and get-rich-quick advice, his words bring the focus back to consistency and calm — the true currency of a secure retirement.

Updated : Nov 10, 2025

'₹1.2 crore to ₹9 crore': CA shares what a real retirement corpus should look like in India

The silent villain, he adds, is inflation. At an annual rate of 6.5%, your expenses double roughly every 11 years. “If you spend ₹60,000 a month today, you’ll need ₹1.2 lakh a month in your 60s — without even upgrading your lifestyle.”

The new rule does not apply to employees who retire under the special voluntary retirement scheme for surplus employees issued by the DoPT.

Updated : Nov 7, 2025

Unified Pension Scheme (UPS): Centre issues fresh clarification on Voluntary Retirement rules

Under the UPS, employees are allowed to take voluntary retirement (VRS) after completing 20 years of regular service, subject to a minimum notice period of three months.

For those comfortable with a 15-year lock-in and seeking full equity exposure within a regulated pension framework, MSF might be a compelling new tool.

Updated : Nov 7, 2025

NPS investors can now go all-in on equity with MSF: Here’s what you need to know

MSF contributions can be made either as a lump sum or monthly, depending on user preference. Regular monthly contributions to existing NPS allocations will continue unless manually changed.

The Labour Ministry reported that as of March 31, 2025, 8.15 million pensioners were enrolled under EPS-95, which is managed by the Employees’ Provident Fund Organisation (EPFO).

Updated : Nov 6, 2025

Pensioners' Life Certificate 2025: Here's how to submit Jeevan Pramaan Patra online, offline by Nov 30

With the annual life certificate deadline set for 30 November 2025, the government is driving a nationwide campaign to simplify the process for India’s pensioners. Digital, doorstep, and in-person options have been expanded, focusing especially on the needs of older pensioners, including those above 80 and 90, ensuring wider access to essential benefits.

According to the clarification, each ministry or department has the discretion to decide whether a pension revision is necessary when a clerical error is found.

Updated : Nov 6, 2025

Government clarifies: Once sanctioned, pension cannot be reduced under CCS (Pension) Rules; check details

In a recent Office Memorandum (OM), the Department of Pension and Pensioners’ Welfare (DoPPW) stated that any downward revision in pension or family pension can only be made if the error is purely clerical in nature. Even in such cases, if the error is identified more than two years after the pension was sanctioned or revised, the correction cannot be made without prior approval from the DoPPW.

His message is blunt. ₹1 crore is not a financial plan. It is a number with no context. You need to ask what you need the money for and whether you can commit to the long haul.

Updated : Nov 6, 2025

Think ₹1 crore by 40 is enough? Most will miss the mark, warns retirement strategist

Worse, inflation erodes the target itself. By 2040, ₹1 crore will be worth only ₹55 lakh in today’s money. Deogaonkar calls it comfortable but nowhere near wealthy.

The Bajaj Life BSE 500 Enhanced Value 50 Pension Index Fund aims to provide disciplined, long-term investment solutions that empower individuals to build sustainable retirement wealth.

Updated : Nov 5, 2025

Bajaj Life launches BSE 500 Enhanced Value 50 Pension Index Fund for long-term retirement planning

The new fund aims to mirror the BSE 500 Enhanced Value 50 Index, giving investors transparent, rule-based exposure to 50 value stocks from the BSE 500, selected using enhanced value metrics like Book-to-Price, Earnings-to-Price, and Sales-to-Price ratios to identify strong yet undervalued companies.

Retirement Planning

NRIs and OCIs can now complete NPS KYC remotely as India eases onboarding requirements; check details

EPS-95 pension hike: Is the government planning to raise the minimum pension amount?

‘₹3 cr dream is dead’: Financial advisor breaks down the harsh reality of retirement in India

Is FIRE even realistic for Indian professionals in present times, what can I do to make early retirement doable?

Why India’s middle class may retire broke: Advisor reveals brutal financial reality

'₹2.13 crore gain, ₹4,800 loss': Tax expert explains new labour law's impact on your salary

New labour law could quietly cut your salary even if your CTC stays the same

'₹1 crore not enough': CA warns middle class their retirement plan may already fall short

‘Even ₹10 crore is not enough to retire in India’: Founder busts a middle class myth

Govt denies claims of DA, pay commission cuts for pensioners; benefits remain intact

Retirement redefined: Passive income, not 60 years, now marks true financial freedom, say experts

Corporate NPS: PFRDA tightens rules on mutual agreement, annual reviews, clear investment choices

Family pension rules: Government mandates retention of daughter’s name in family records for pension eligibility

'That India is gone': Middle class now lives on credit, not savings, says founder

'₹1.2 crore to ₹9 crore': CA shares what a real retirement corpus should look like in India

Unified Pension Scheme (UPS): Centre issues fresh clarification on Voluntary Retirement rules

NPS investors can now go all-in on equity with MSF: Here’s what you need to know

Pensioners' Life Certificate 2025: Here's how to submit Jeevan Pramaan Patra online, offline by Nov 30

Government clarifies: Once sanctioned, pension cannot be reduced under CCS (Pension) Rules; check details

Think ₹1 crore by 40 is enough? Most will miss the mark, warns retirement strategist

Bajaj Life launches BSE 500 Enhanced Value 50 Pension Index Fund for long-term retirement planning

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