Retirement Planning

Know exactly how much you'll need and the monthly SIP to get there — so you retire with confidence, not anxiety.

Overview

Retirement is the longest goal you'll ever fund. We project your future expenses against inflation and longevity, calculate the corpus you need, and design an accumulation plan — SIPs, NPS and the right asset mix — to reach it, then a withdrawal strategy for your retired years.

At a glance

Corpus projection
Pension planning
SWP income strategy

Key benefits

Corpus projection adjusted for inflation and longevity

Monthly SIP roadmap to reach your number

Pension planning with NPS, annuities and retirement funds

Post-retirement income via SWP (Systematic Withdrawal Plan)

A retirement to look forward to

The goal isn't just a number — it's the freedom to live well after you stop working, without depending on anyone.

Income after work

SWP — Systematic Withdrawal Plan

An SWP lets you draw a fixed amount from your investments every month — like a self-made pension — while the rest stays invested and keeps working for you.

Turn your corpus into a fixed monthly payout
Stay invested — the balance keeps growing while you withdraw
More tax-efficient than most traditional income options
Adjust the withdrawal as your needs change

Try the SWP calculator

Building the corpus

Pension planning

We combine NPS, annuities and retirement-focused funds so you accumulate steadily through your working years and secure a dependable income for life afterwards.

NPS for a disciplined, low-cost retirement corpus
Annuity plans for a guaranteed lifelong pension
Retirement & balanced-advantage funds for the accumulation years
The right mix of growth now and income later

Plan my retirement corpus

Government-backed retirement scheme

NPS — National Pension Scheme

The National Pension Scheme (NPS) is a voluntary, long-term retirement savings scheme backed by the Government of India and regulated by the PFRDA. You contribute steadily through your working years; the money is invested across a mix of equity, corporate bonds and government securities and grows into a retirement corpus.

At retirement you can take a large part as a tax-free lump sum and convert the rest into an annuity that pays you a pension every month for life. With its exclusive tax deduction and very low charges, NPS makes a strong core holding for the accumulation phase of your retirement plan.

Estimate my corpus

Who can join

Any Indian citizen — resident or NRI — aged 18 to 70 can open an account.

Extra tax break

An exclusive ₹50,000 deduction under Section 80CCD(1B), over and above your ₹1.5 lakh 80C limit.

Two account types

Tier I is the retirement account (locked till 60); Tier II is a flexible add-on you can withdraw anytime.

Market-linked growth

Your money is invested across equity, corporate bonds and government securities — you choose the mix and fund manager.

At retirement

Withdraw up to 60% as a tax-free lump sum; the rest buys an annuity that pays you a pension for life.

Low cost & regulated

Among the cheapest pension products in India, backed by the Government and regulated by PFRDA.

Retirement Calculator

Will you have enough to retire?

Estimate the corpus you'll need and the monthly SIP to get there — adjusted for inflation and how long your retirement is likely to last.

Current age35

Retire at60

Live until85

Monthly expenses (today)₹50,000

Inflation6%

Pre-ret. return12%

Post-ret. return8%

Corpus needed at age 60

₹5.19 Cr

Monthly SIP needed

₹27,356

1st-year expenses then

₹25.75 L

Building your corpus

Projected growth of the monthly SIP from age 35 to 60.

Projected value Amount invested

Indicative figures for planning only, assuming a constant rate of return. Actual returns vary and are not guaranteed. Talk to AIFC for a plan tailored to you.

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