Retirement

Retire by 60 — comfortably

₹5 Cr by 60 sounds like a lot. With ₹15K/month SIP starting at age 30 and 12% equity returns, it's not. The retirement goal is the highest-leverage financial decision you'll make — and the easiest one to defer. This hub gives you the calculators, products and articles to start (or fix) it today.

Why this hub

Retirement requires combining EPF + PPF + NPS + equity SIPs across 3-4 decades. Most articles cover only one piece. This hub stitches it all together with a gap calculator, scheme comparator, and asset-allocator.

Where to start

  1. Priority 1

    EPF + VPF

    Tax-free, employer-matched, 8.25% — your retirement core.

  2. Priority 2

    NPS Tier I

    Extra ₹50K deduction (80CCD-1B), 9-12% returns, annuity at 60.

  3. Priority 3

    PPF

    Govt-backed 7.10%, 80C, 15-year tax-free compounding.

  4. Priority 4

    Equity SIPs

    Real wealth driver. ₹15K/month × 30y at 12% = ₹5+ Cr.

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Calculators for you

RetirementFIREStep-up SIPNPS calculatorPPFInflation-adjusted returns

Regulatory + scheme rules

  • EPF: 12% of basic, employer matches, taxable after 5 years if withdrawn early
  • VPF: voluntary additional EPF, same 8.25% but no employer contribution
  • NPS Tier I: 80CCD-1B = ₹50K extra deduction over 80C
  • PPF: 80C eligible, 15-year tenure, can extend in 5-year blocks
  • Equity LTCG: ₹1.25L exempt annually, 12.5% above (FY24-25 rules)

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