Retirement is not about stopping work. It is about having the financial freedom to choose your lifestyle, support your family, and live with dignity — without depending on anyone else.
Here is what makes this solution essential for your Financial Thali.
Structure a plan that delivers both a systematic monthly income after retirement and a lump-sum corpus for major post-retirement expenses.
A ₹50,000/month lifestyle today will cost ₹1.6 Lakh/month in 20 years at 6% inflation. We plan your corpus to meet tomorrow's costs, not today's.
We combine the National Pension System, annuity plans, and insurance-backed retirement products into a coordinated strategy — never a single isolated product.
NPS contributions qualify for an additional ₹50,000 deduction under 80CCD(1B) over and above the ₹1.5 Lakh limit under 80C — a unique, exclusive tax advantage.
Concrete features, coverage values, and tax advantages you need to know.
Retirement Corpus Target: 25x Annual Expenses The 25x rule: if your annual post-retirement expenses are ₹6 Lakh, your corpus should be ₹1.5 Crore minimum to sustain 30+ years at 6% withdrawal rate.
SIP Required: Based on Years to Retirement Starting at 30 with a 12% return target, you need approximately ₹8,500/month SIP for a ₹1 Crore corpus by 60. Delay costs exponentially more.
NPS: Additional ₹50,000 Tax Deduction Section 80CCD(1B) provides a deduction exclusively for NPS contributions — available even if you've exhausted all other 80C options.
Annuity Options: ₹10,000–₹1 Lakh/month Post-retirement annuity plans from LIC and private insurers offer guaranteed monthly income for life — or joint life with your spouse.
SCSS: 8.2% for Senior Citizens The Senior Citizens Savings Scheme offers guaranteed 8.2% interest with government backing — an essential stability instrument post-retirement.
Post-Retirement Healthcare Buffer We recommend a separate health insurance corpus as a non-negotiable element of retirement planning, given rising medical costs with age.
We are your Financial Guardian, not a product pusher. Every recommendation is rooted in your Financial Kundli.
Before recommending any retirement product, we calculate your required corpus based on your current lifestyle, inflation assumptions, and expected retirement age.
A robust retirement plan uses NPS for tax efficiency, mutual funds for growth, guaranteed plans for stability, and annuities for income — never relying on any single product.
Not every income trajectory is linear. We design retirement plans that accommodate breaks, business cycles, and variable income patterns without derailing the end goal.
Retirement planning is not a one-time exercise. Life changes — income grows, family commitments evolve, and markets move. We review and recalibrate every 3 years.
Get a personalized recommendation based on your Financial Kundli. No product pitches. No pressure. Just clarity on what's right for you.