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How to do retirement planning in India, corpus calculation, investment options — complete Hindi guide.
Published by The Retail Trader · AUG 14, 2026 · Features
How to do retirement planning in India, corpus calculation, investment options — complete Hindi guide.
Retirement planning means saving money now for when you are no longer working. Start early, the magic of compound interest will work.
Keep these points in mind:
• Current Age: 30
• Retirement Age: 60
• Monthly Expenses Today: ₹50,000
• Inflation: 6%
• Life Expectancy: 85
• Monthly Expenses at 60 (inflation adjusted): ₹2,87,000
• Annual Expenses at 60: ₹34,44,000
• Retirement Years: 25
• Required Corpus (25x annual expenses): ₹8.61 Crore
Keep these six points in mind:
• EPF/VPF — Returns: 8.15%, Risk: Very Low, Lock-in: Till retirement, Tax Benefit: 80C
• PPF — Returns: 7.1%, Risk: Very Low, Lock-in: 15 years, Tax Benefit: 80C
• NPS — Returns: 10-12%, Risk: Medium, Lock-in: Till 60, Tax Benefit: 80C + 80CCD(1B)
• ELSS — Returns: 12-15%, Risk: Medium, Lock-in: 3 years, Tax Benefit: 80C
• SIP in MF — Returns: 12-14%, Risk: Medium, Lock-in: None, Tax Benefit: No
• SGB — Returns: Gold + 2.5%, Risk: Low, Lock-in: 8 years, Tax Benefit: Tax-free at maturity
20s-30s (Aggressive):
• Equity MF (SIP) — 60%
• EPF/VPF — 20%
• NPS — 15%
• Gold (SGB) — 5%
40s (Balanced):
• Equity MF — 40%
• EPF/PPF — 25%
• NPS — 20%
• Debt MF — 10%
• Gold — 5%
50s (Conservative):
• Equity MF — 20%
• PPF/EPF — 30%
• NPS — 20%
• Debt MF — 20%
• Gold — 10%
"Start after 40" — You will not get the benefit of compound interest.
₹50,000 expenses today will be ₹2.87 lakh after 30 years. Do the inflation factor.
EPF alone is not enough for retirement. SIP + NPS is also required.
Do not withdraw EPF on job change. Transfer. You will get the benefit of compound interest.
The biggest expense in retirement is healthcare. Health insurance is necessary.
Keep these six points in mind:
• Make an emergency fund – 6 months expenses
• Maximize EPF – add VPF also
• Start NPS — ₹50,000 extra tax benefit
• Start SIP – ₹10,000-25,000/month
• Health insurance low — ₹10-20 lakh cover
• Review annually — check portfolio every year
Keep these points in mind:
• 📌 RETIREMENT PLANNING
• CORPUS:
• 📊 Monthly expenses × 12 × 25 years
• 📊 ₹50K expenses today = ₹8.6 Cr corpus needed
• INVESTMENT OPTIONS:
• 📊 EPF/VPF — 8.15%, very safe
• 📊 PPF — 7.1%, 15 year lock-in
• 📊 NPS — 10-12%, till age 60
• 📊 ELSS — 12-15%, 3 year lock-in
• 📊 SIP in MF — 12-14%, flexible
• BY AGE:
• 📊 20s-30s: 60% equity, 20% EPF, 15% NPS
• 📊 40s: 40% equity, 25% EPF/PPF, 20% NPS
• 📊 50s: 20% equity, 30% PPF/EPF, 20% NPS
• AVOID:
• ❌ Late start
• ❌ No inflation adjustment
• ❌ Only EPF reliance
• ❌ Withdrawing EPF on job change
• ❌ No health insurance
Keep these points in mind:
• Financial Planning Guide | SIP vs Lump Sum | NPS Guide
The Retail Trader — educational market analysis. Not investment advice.
This article is for educational purposes only. It is not a buy or sell recommendation, a claim of guaranteed returns, or advisory guidance. Exchanges, SEBI and RBI change rules, rates and procedures from time to time, so verify every figure with your broker or an official source.