Topic
retirement
5 guides on retirement.
Finance
Inflation in India — what ₹1 crore today is worth in 25 years
India's long-term CPI is ~6%. ₹1 crore today equals ₹4.3 crore in 25 years (just to maintain purchasing power). What this means for retirement planning.
3 min read
Finance
EPF withdrawal rules — when can you take your money out?
EPF withdrawal: full on retirement or 2-month unemployment; partial for marriage, education, home, medical. UAN claim takes 3-7 days. Tax-free after 5 yrs.
3 min read
Finance
Gratuity in India — eligibility, formula and ₹20 lakh cap explained
Gratuity in India needs 5 yrs of continuous service. Formula: (last basic + DA) × 15/26 × years. Capped at ₹20 lakh and tax-exempt for covered employees.
2 min read
Finance
EPS pension explained — your ₹15k/month at age 58
EPS gives lifelong pension at 58 with 10+ years of EPF service. Formula: pensionable salary × service ÷ 70. Salary capped at ₹15k unless higher pension opted.
2 min read
Finance
NPS Tier-I — what 60% lump sum + 40% annuity actually means
NPS at age 60: 60% withdrawal tax-free + 40% MUST go into annuity (taxable monthly pension). Tax saving via 80CCD(1B) ₹50k. Old vs new regime trade-off.
3 min read