Retirement Planning

Aadhaar-based Face Authentication allows pensioners to generate their Digital Life Certificate without visiting a bank or pension office.

Updated : Aug 11, 2026

82 lakh EPS-95 pensioners: How to submit Jeevan Pramaan from home and avoid pension payment disruption

Unlike a fixed annual deadline, an EPF pensioner’s Digital Life Certificate (DLC) remains valid for 12 months from the date of submission. If a fresh certificate is not submitted before the validity period expires, pension payments can be stopped from the following payment cycle.

For an investor who makes several contributions at different times, the timing of each contribution can affect the actual return experienced.

Updated : Aug 11, 2026

NPS XIRR vs CAGR: Which return measure better reflects your actual pension investment?

PFRDA’s PRIDE-DISHA platform uses XIRR instead of traditional CAGR to reflect NPS returns more accurately when subscribers make multiple contributions or withdrawals at different times. The methodology is designed to better capture an investor’s actual cash-flow experience.

Until now, only contributions credited to the Trustee Bank by 11:00 am on a business settlement day were eligible for investment at that day's closing NAV.

Updated : Aug 6, 2026

PFRDA extends NPS same-day investment cut-off to 1:30 PM: What it means for subscribers

In a circular issued on August 4, the pension regulator announced that NPS contributions received by the Trustee Bank by 1:30 pm on a business settlement day, instead of the earlier 11:00 am, will now qualify for same-day investment, subject to successful matching and booking of the funds.

The Unified Pension Scheme was introduced to provide greater certainty in retirement income for Central government employees covered under NPS.

Updated : Aug 4, 2026

Government has no plans to replace Unified Pension Scheme, over 1.18 lakh employees opt in

In a written reply to Parliament, Sitharaman said UPS will continue as an optional pension scheme under NPS and there are currently no plans to alter its structure.

A ₹7 lakh annual expense today would rise to over ₹22 lakh in 20 years if inflation averages 6% a year, highlighting why relying solely on FD income can jeopardize long-term retirement planning.

Updated : Jul 27, 2026

Retirement planning: Can my sister and I retire on FD income and property assets?

Relying solely on fixed deposit income may appear safe, but it may not be enough to fund a retirement spanning four decades. A financial expert explains why inflation, healthcare costs and low-yielding assets can gradually erode long-term financial security—and how a diversified strategy can help.

Under the integrated workflow, approved pension-related details available on the Bhavishya portal will be automatically fetched and pre-filled in the CGHS pensioner card application.

Updated : Jul 23, 2026

CGHS pensioner card in minutes now? Govt digitises application process for central govt retirees

Retiring central government employees can now apply for their CGHS pensioner cards through a streamlined digital process as the government integrates the CGHS online system with the Bhavishya portal. The move is expected to reduce paperwork, eliminate duplicate data entry and ensure faster access to healthcare benefits after retirement.

As per experts, the revised policy is expected to strengthen Gurugram's position as one of India's emerging senior living markets.

Updated : Jul 22, 2026

Senior living goes mainstream: Why Haryana's retirement housing policy matters for India's ageing population

Approved by the state cabinet, the revised policy increases the permissible FAR from 2.25 to 3.0 for eligible retirement housing colonies, aligning the framework with Haryana's TDR Policy, 2021.

Members would set a retirement goal and expected retirement age, after which the system would estimate the contributions required to reach that target.

Updated : Jul 22, 2026

EPFO 3.0 may bring gig workers into India's pension net: What the proposal means

Unlike the existing EPF, the proposed defined contribution model would let members build a retirement corpus through regular contributions, with annual interest credited.

EPS 2026 specifies how the withdrawal benefit is to be calculated. Schedule II of the scheme prescribes factors based on the member's completed months of eligible service.

Updated : Jul 17, 2026

Changed jobs before 10 years? Here's what happens to your EPS money under the new pension scheme

Employees enrolled under the Employees' Provident Fund (EPF) become eligible for a monthly pension under the Employees' Pension Scheme (EPS), 2026 after completing at least 10 years of eligible service.

Updated : Jul 16, 2026

'When you set ₹5 crore goal, you...': Zerodha's Nithin Kamath recalls when he wanted to retire in Goa

The Zerodha co-founder says his early retirement dream changed after building a business, and a simple perspective now helps him handle pressure.

Andhra Pradesh introduced the CPS on September 1, 2004, about eight months after the Central government rolled out the National Pension System (NPS) on January 1, 2004.

Updated : Jul 15, 2026

Pension options: Andhra Pradesh gives select employees one-time option to switch to Old Pension Scheme

The one-time switch is available to employees who were recruited through advertisements or notifications issued before September 1, 2004, but joined government service on or after September 1, 2004.

PFRDA has directed all CRAs to make the PRIDE-Disha link available on subscriber login portals and nodal office interfaces during the pension fund and scheme selection process.

Updated : Jul 15, 2026

NPS PRIDE-Disha launched: New PFRDA tool lets subscribers compare SIP-like pension fund returns

The Pension Fund Regulatory and Development Authority (PFRDA) has introduced a new digital tool to help National Pension System (NPS) subscribers compare pension fund performance more realistically. The platform uses historical SIP-style (XIRR) returns and thousands of days of NAV data to support better retirement investment decisions.

Following its migration to the CITES platform, EPFO has introduced automatic transfers for eligible members whose UAN is linked with Aadhaar.

Updated : Jul 14, 2026

Changed jobs? Don't withdraw your PF — transfer it instead. Here's why

With EPFO making PF transfers easier through its upgraded digital platform, employees have fewer reasons to withdraw their retirement savings after switching jobs. Here's why transferring your EPF balance is often the smarter financial move.

He also reflected on the mistakes he would avoid if starting over

Updated : Jul 10, 2026

₹11 crore corpus, ₹55 lakh salary: Why this 48-year-old still isn't ready to retire

His biggest dilemma revolves around two under-construction flats in a Tier-1 city that are about 95% complete.

The latest decision does not alter the basic structure of the National Pension System or the contribution rules applicable to employees of Central Autonomous Bodies.

Updated : Jul 8, 2026

NPS rules changed for Central Autonomous Body employees: Here's what's new from July 2026

Under the latest decision, employees of Central Autonomous Bodies covered under the NPS can now choose from two additional life cycle investment funds through the Central Recordkeeping Agency (CRA) platform.

Employees looking to boost retirement savings have two broad options—salary restructuring and the Voluntary Provident Fund (VPF).

Updated : Jul 8, 2026

New EPF Scheme 2026: Want a bigger retirement corpus? Here's how you can increase your PF savings

The newly notified Employees' Provident Funds (EPF) Scheme, 2026, gives salaried employees greater flexibility to build their retirement corpus while preserving existing EPF benefits. Here's how the new rules affect your PF contributions, Voluntary Provident Fund (VPF) options and long-term retirement planning.

Unlike the working years, when insurance primarily serves as income replacement for dependents, retirement planning focuses on maintaining a stable cash flow throughout one's lifetime.

Updated : Jul 6, 2026

Retirement after 60: Can annuities help you avoid outliving your retirement savings? Here's how

With Indians living longer than ever, one of the biggest retirement risks is outliving your savings. Financial experts say annuities can provide a guaranteed income stream for life, helping retirees manage inflation, longevity and healthcare expenses with greater confidence.

NPS, regulated by the PFRDA, is a voluntary retirement savings scheme with market-linked returns based on investments in equity, corporate bonds and government securities.

Updated : Jul 3, 2026

How can I determine whether my current monthly NPS contribution, asset allocation are sufficient to achieve my desired retirement corpus?

Building an adequate retirement corpus requires more than making regular National Pension System (NPS) contributions. Estimating future expenses, accounting for inflation and healthcare costs, and choosing the right asset allocation are equally important to stay on track for your retirement goals.

The EPS contribution remains unchanged, with employers continuing to contribute 8.33% of wages, subject to the wage ceiling.

Updated : Jul 2, 2026

EPS 2026 replaces EPS-95: Is the minimum EPS pension still ₹1,000? Here's what has changed

The government has notified the Employees' Pension Scheme (EPS), 2026, replacing the decades-old EPS-95 framework. But has the long-pending demand to increase the minimum monthly EPS pension above ₹1,000 finally been accepted? Here's what the new EPFO pension scheme says.

Employees will continue to contribute 12% of their wages towards EPF, with employers contributing an equal 12%, as per the existing framework.

Updated : Jul 1, 2026

EPF Scheme 2026: What changes for your PF contribution, withdrawals or EPF interest?

The Centre has notified the Employees' Provident Funds (EPF) Scheme, 2026, replacing the EPF Scheme, 1952, under the Code on Social Security, 2020. While the new framework strengthens digital governance and compliance, it leaves key provisions such as PF contribution rates, withdrawals, EPF interest, UAN and Voluntary Provident Fund (VPF) rules unchanged.

CA Nitin Kaushik says becoming the family's "designated bank" without financial boundaries can significantly hinder wealth creation.

Updated : Jun 26, 2026

First-generation wealth: Why experts say financial boundaries with family are essential; AI weighs in

For many first-generation wealth creators, the biggest financial challenge isn't earning money—it's managing expectations from family. Experts say setting clear financial boundaries is crucial to protect long-term wealth, and AI agrees that disciplined generosity is more sustainable than unlimited support.