Securing Hannav Ledger...
Securing Hannav Ledger...
Build a solid inflation-adjusted corpus for your post-employment years using tax-efficient pension products like NPS, EPF, and mutual fund SWPs.
A government-backed pension scheme offering market-linked returns. Provides an exclusive tax deduction up to ₹50,000 under Section 80CCD(1B).
Employee Provident Fund (EPF) and Voluntary Provident Fund (VPF) provide guaranteed, tax-free returns (currently ~8.15% - 8.25% p.a.) backed by the Government of India.
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed sum monthly from your mutual fund investments, functioning as a highly tax-efficient monthly pension.
A common rule of thumb for retirement planning in India is to target a corpus equal to 25 times your annual expenses. For instance, if your annual post-retirement expenses are estimated at ₹12 Lakhs (adjusted for inflation), you should target a retirement corpus of ₹3 Crores.
With a 4% safe withdrawal rate (or structured SWP), this corpus can sustain your expenses indefinitely without depleting the principal amount. Combine this with equity mutual fund growth and debt-oriented fixed income for asset diversification.
Jump into prefilled calculator landings for common Indian amounts, tenures, and ages.
Check your projected corpus, pension mix, and withdrawal income with the right tools.
Prefer the on-site SWP Calculator for retirement withdrawal planning, corpus exhaustion checks, and internal guides.
Types of annuity plans, payout rates, and how they compare with a self-managed SWP for retirement income.
APY guarantees a fixed pension for lower-income and informal workers; NPS offers market-linked growth with no fixed pension guarantee.
How the EPS portion of your EPF contribution translates into a monthly pension after age 58.