Secure Your Future

Plan your retirement with confidence. BharatPension helps you build a secure financial future.

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Why Choose BharatPension?

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Secure & Safe

Your pension funds are protected with industry-leading security measures and government-backed guarantees.

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Growth Potential

Invest in a diversified portfolio designed to grow your savings over time while managing risk.

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Flexible Plans

Choose from a variety of pension plans tailored to your needs and financial goals.

Retirement Calculator

Plan your retirement with precision. Calculate how much you need to save for a comfortable retirement in India.

Essential Information
Your current age in years
Your current monthly living expenses
Age at which you plan to retire (Default: 60)
Average life expectancy in India: 70-75 years (Default: 80)
Historical average in India: 5-7% (Default: 6%)
Conservative: 7-8%, Moderate: 9-11%, Aggressive: 12-15% (Default: 8%)
% of current expenses needed in retirement (Default: 80%)
EPF, PPF, NPS, Mutual Funds, etc. (Default: ₹2 Lakhs)
Funds to keep aside for emergencies (6-12 months expenses)
Home loan, personal loan, credit card debt, etc.

Your Retirement Plan

Total Retirement Corpus Required

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📊 Calculation Breakdown

Retirement Planning Guide for India

Essential knowledge to secure your financial future

Why Start Early?

Starting your retirement planning early gives you the power of compounding. Even small amounts invested regularly can grow into substantial corpus over time.

Example: Investing ₹5,000/month at 8% returns for 30 years = ₹75 lakhs. Starting 10 years later with ₹10,000/month = ₹50 lakhs.
  • Power of compounding works best over long periods
  • Lower monthly investment needed when you start early
  • More time to recover from market fluctuations

Retirement Planning in India

India's retirement landscape is unique. Understanding these factors helps you plan better:

  • Average life expectancy: 70-75 years (increasing)
  • Inflation rate: Historically 5-7% per annum
  • Healthcare costs rising faster than general inflation
  • No universal social security system
  • EPF/PPF provide tax benefits but limited returns
Tip: Plan for 20-25 years of retirement expenses, accounting for inflation and healthcare costs.

Investment Options for Retirement

Diversify your retirement portfolio across these instruments:

  • EPF/PPF: Safe, tax-free, but lower returns (7-8%)
  • NPS: Tax benefits, market-linked returns (8-12%)
  • Mutual Funds: SIPs in equity funds for long-term growth
  • Fixed Deposits: Safety net, but may not beat inflation
  • Real Estate: Rental income, but less liquid
  • Gold: Hedge against inflation, 5-10% of portfolio

Emergency Fund Importance

Before focusing on retirement, build an emergency fund:

  • 6-12 months of expenses in liquid form
  • Separate from retirement corpus
  • Prevents dipping into retirement savings
  • Medical emergencies can deplete savings quickly
Remember: Emergency fund should be easily accessible (savings account, liquid mutual funds).

Managing Liabilities

Clear high-interest debts before retirement:

  • Credit card debt (18-24% interest) - pay off first
  • Personal loans (12-18% interest)
  • Home loans - consider prepayment if interest > returns
  • Enter retirement debt-free for peace of mind

Tax Benefits for Retirement

Maximize tax savings while building retirement corpus:

  • Section 80C: EPF, PPF, ELSS (₹1.5 lakh deduction)
  • Section 80CCD(1B): NPS (additional ₹50,000)
  • Section 80D: Health insurance premiums
  • Long-term capital gains tax benefits on equity investments

Contact Us

Get in touch with us for any queries or assistance with your retirement planning

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