Retirement Planning
Retire on Your Own Terms.
Comprehensive retirement plans — across NPS, PPF, annuities, and SIPs — designed to ensure you never outlive your money.
₹65 Cr+
Retirement Corpus Managed
2,200+
Retirement Plans Designed
15+
Pension & Annuity Partners
₹80,000+
Avg. Monthly Annuity Placed
Why It Matters
Your salary will stop. Your expenses won't.
With life expectancy rising to 80+ and inflation steadily eroding purchasing power, a 60-year-old today may need to fund 25 years of retirement. Without a structured plan, the risk of outliving your savings is very real. The time to build your corpus is now — every year of delay has a compounding cost.
- Fund 25–30 years of post-retirement expenses
- Beat inflation with market-linked retirement products
- Maximise tax savings during accumulation years
- Generate guaranteed monthly income for life
Without Retirement Planning
- Dependent on children for monthly expenses
- Savings depleted in 5–8 years of retirement
- Forced to sell assets to meet medical costs
- No financial independence in golden years
With a Structured Retirement Plan
- ₹80,000+/month annuity income from day one
- Corpus grows tax-efficiently for 25+ years
- Healthcare and emergency funds ring-fenced
- Leave a meaningful legacy for your family
Plan Today for a
Comfortable Retirement
Retirement planning is about making sure you never run out of money after you stop working. The earlier you start, the less you need to save each month — because time does most of the heavy lifting.
We build a retirement plan around your current income, your expected lifestyle after retirement, and the age you want to stop working. Then we put the right investments in place to get you there.
Retirement Insight
Starting a retirement SIP of ₹15,000/month at age 30 can build a retirement corpus of over ₹3 Crore by age 60 — enough to live comfortably without depending on anyone.
Our Retirement Promise
- Dedicated retirement corpus calculation for your lifestyle
- NPS, EPF, and mutual fund integration in one plan
- Inflation-adjusted projections so your money keeps its value
- SWP (Systematic Withdrawal Plan) setup for monthly pension income
- Life insurance review to protect your family during the saving phase
- Annual check-ins to adjust for salary changes and life events
Planning Standard
PFRDA & SEBI Regulated
Explore Products
Which Product Is Right for You?
Select a retirement product to see how it works, what it offers, who it's best for, and the indicative contribution range.
NPS (National Pension System)
Government BackedHorizon: Until retirement (min. 60 yrs)
The National Pension System is a government-backed, market-linked retirement savings scheme regulated by PFRDA. You invest in equity, corporate bonds, and government securities through your choice of pension fund manager. On retirement, you must use at least 40% to buy an annuity; the rest is tax-free. Tier-I is for retirement savings, Tier-II is a voluntary savings account with no lock-in.
Min. Contribution
₹500/month (Tier-I)
Tax Benefit
Up to ₹2 lakh deduction
Best For
Salaried & self-employed individuals
Key Highlights
- Additional ₹50,000 deduction under Section 80CCD(1B)
- Employer contribution of up to 10% of salary is deductible
- Equity allocation up to 75% (reduces post-50)
- Partial withdrawal allowed for emergencies after 3 years
- 40% lump sum at retirement is tax-free
Our Advantage
Retirement Advice You Can Actually Build On
We plan your entire financial journey — not just one product.
Retirement Corpus Modelling
We build a precise retirement corpus model using your current age, income, expenses, inflation assumptions, and target retirement age — so you know exactly what to save each month.
Multi-Product Optimisation
We blend NPS, PPF, SIPs, and annuities into a cohesive retirement plan — maximising tax efficiency, return potential, and income stability simultaneously.
Annual Rebalancing Reviews
As markets move and life changes, your asset allocation needs to evolve. We schedule annual reviews to rebalance and keep your retirement plan on track.
Decumulation Planning
Accumulating a corpus is only half the job. We plan how to systematically draw it down in retirement — tax-efficiently, across SWPs, annuities, and SCSS — so it lasts your lifetime.
Our Process
From First Savings to Lifelong Income
A structured five-step process that builds your retirement corpus and then converts it into a reliable, tax-efficient income stream.
Retirement Goal Setting
We establish your target retirement age, desired monthly income, and key milestones like travel, healthcare, and legacy goals.
Corpus Calculation
Using inflation-adjusted projections, we calculate the exact lump sum you need at retirement to sustain your lifestyle for 25–30 years.
Product Selection & Allocation
We allocate contributions across NPS, PPF, mutual fund SIPs, and insurance plans to maximise returns and minimise tax outgo.
Plan Implementation
We help you open accounts, set up SIPs, activate NPS Tier-I and Tier-II, and ensure every rupee is invested correctly from day one.
Review & Retirement Income
We conduct annual reviews during accumulation and build your retirement income structure — annuity, SWP, SCSS — when you approach retirement.
Common Questions
Retirement Planning Explained Plainly
No jargon. No fine print. Just honest answers to the questions that matter.
*Returns are indicative and based on historical data. Mutual fund investments are subject to market risks. NPS and annuity returns are subject to regulations and market conditions. Tax benefits are subject to prevailing Income Tax laws. Please consult a qualified financial and tax advisor before investing.