Compare sovereign savings schemes. Current rates, tax benefits under 80C/80CCD, lock-in periods, and projected maturity values.
13 government-backed savings schemes compared
Editorial
Retirement · 18 Jul 2026
Most FIRE content in India skips straight to one corpus number. Here's what Lean, Fat, Coast, and Barista FIRE actually mean in rupee terms, worked through the same household example.
Retirement · 18 Jul 2026
The standard 25x FIRE rule assumes a 30-year retirement. Retire at 40 instead and the math changes completely — here's the real multiple and savings rate for each target age.
Retirement · 13 Jul 2026
Asset-rich, cash-poor retirees own a house worth ₹2 crore and have ₹15 lakh in savings. Reverse mortgage from SBI, PNB, and others converts that house into a tax-free monthly income without selling it. The 2026 product features, why uptake stayed low, and how it compares to SWP from mutual funds and a traditional LIC annuity.
Retirement · 12 Jul 2026
Starting retirement planning at 45 leaves 15 years. Starting at 50 leaves 10. The math is unforgiving but achievable — if you understand exactly how aggressive the SIP, VPF, and NPS contributions need to be, where the tax law genuinely helps the 30%-slab earner, and which two retirement-age levers are worth more than any savings hike.
Retirement · 12 Jul 2026
Salaried Indians get EPF, gratuity, group health, group term life, and an employer that automates the savings. The self-employed get none of it. The 2026 playbook for building the same safety net out of NPS, PPF, ELSS, voluntary annuities, private health cover, and a real disability rider — and where the tax law genuinely helps.
Retirement · 12 Jul 2026
India's medical inflation has averaged roughly 14% per year for a decade — more than twice the general CPI. For a 60-year-old retiring today, healthcare alone will need 6–8× the corpus a 60-year-old needed in 2015. The numbers, the drivers, and how to rebuild the retirement-healthcare bucket.
Retirement · 12 Jul 2026
Every Indian aged 70+ now gets ₹5 lakh of free hospitalisation cover under Ayushman Bharat PM-JAY Vay Vandana — regardless of income, regardless of existing insurance. The 2026 enrolment guide, what is covered, what is not, and how it fits with private senior health policies.
Retirement · 12 Jul 2026
A retired Indian with ₹1 crore of safe capital needs more than SCSS — the cap is ₹30L per person. SCSS + POMIS + RBI Floating Rate Bond together = ₹67K/month sovereign income.
Retirement · 7 Jul 2026
Naming a nominee doesn't "take care of" succession — for most assets the nominee is a trustee. The honest 2026 guide, asset by asset, and why you need both a nominee AND a will.