How to Plan for a Comfortable Retirement in India

Did you know that 4 out of 5 Indians risk outliving their retirement savings? The good news: you can be part of the 20% who retire comfortably by starting early, saving with discipline, and taking measured risks. Retirement planning is about building an inflation-proof corpus that funds your lifestyle, healthcare, and aspirations, for as long as you live.

1500 Cr.
AUM

20,000+
Clients

1900 +
Google Reviews

350+ Media Mentions

Why Is Retirement Planning Important?

Avoid Running Out of Money

Without a plan, your savings may not last through your retirement years

Protect Against Inflation

Costs of healthcare, housing, and lifestyle rise steadily with time

Enjoy Financial Freedom

A structured retirement plan ensures you live comfortably without financial stress

Radhika Gupta

MD & CEO

"FinEdge's commitment to delivering elite service and their focus on putting clients first, distinguishes them in the industry."

Key Things to Keep in Mind for Retirement Planning

Start early to maximize compounding benefits

Crunch the numbers realistically instead of relying on guesswork

Use step-ups to increase savings as your income grows

Take measured risks with equity funds for higher long-term returns

Work with an expert to align investments with your life goals

What Our Clients Say

1800+ Google Reviews. A 4.7 Star Rating. Zero Sales Targets.

“I have been a client of finedge for last 5 years. I called them to help me with my retirement planning without any knowledge on what it means. They took time to explain me what it means by wealth creation , how do you financially plan for rest of your life like retirement, vacation, car, house, kids education etc. There team is extremely talented. I am very happy with Harshit who has been helping me with my financial planning for last couple of months. Highly recommend everyone to try finedge!”

Sriram Sundarajan

What Our Clients Say

1800+ Google Reviews. A 4.7 Star Rating. Zero Sales Targets.

“I will be thankful to Fin Edge and Mr. Rochak Vats, Mr. Mahajan and Now Ms. Shaleen for guiding a lay person like me and explaining me in simple language about what a SIP is all about. Fin Edge has shown how even from my small earning I can also save money and dream of a house and a safe retirement. Today after 7years I am able to save sum amount from my hard earned money. Only with Fin Edge I am now able to own a house of my own and also Plan my retirement. I wish I could have associated with Fin Edge few years back. I would have been in a much better position financially. Mr. Rochak gave me the base , made me understand what investment in mutual fund means and even a person with small earning like me can take the 1st step to investment. A special thanks to shaleen for being so calm and meticulous. She could always understand what I am thinking and many a time would place it exactly the way I wanted it to be placed. Thank you Shaleen every time I spoke to you you made feel that I can be financially secure and it is not a very difficult.Also your assurance that you see just a phone call away make a lot of difference. Thank you FinEdge”

Shampa Roy

What Our Clients Say

1800+ Google Reviews. A 4.7 Star Rating. Zero Sales Targets.

“Finedge is very reliable from financial goal planning as well as my financial goal planner manager shaleem Beniwal is very responsible person and provide goal achievement tips as well as plan education plan and retirement plan. She is very familiar”

Gaurav maheshwari

Common Mistakes to Avoid in Retirement Planning

Most Indians delay retirement planning or invest in low-yielding products, which can be costly. Avoid these pitfalls:

Delaying Investments

Every year of delay reduces your final corpus significantly

Low-Yield Products

LIC, PPF, and traditional pension plans rarely beat inflation

Ad Hoc Approach

Without clear goals, your corpus may fall short at retirement

Mr. Wagle's Retirement Journey

"I am leading a retired mans life travelling and seeing new places along with my life partner. Planning for my goals through FinEdge has been one of the best decisions that I have taken."

~ Sham Ramesh Wagle, Goa

Best Ways to Maximize Your Retirement Savings

Start Early: Even starting at 30 gives you three decades for compounding to work.
Use Equity SIPs: Mutual fund SIPs are flexible, scalable, and growth-oriented.
Consider NPS With Caution: While NPS is better than fixed income, its equity cap and mandatory annuity make it less efficient than mutual funds.
Step-Up Contributions: Increase your SIPs as income grows to reach a larger corpus.
Work With Experts: Behavioural guidance ensures you avoid emotional mistakes and stick to the plan.

Platforms like FinEdge’s DiA combine technology with human expertise to help you create, track, and adjust your retirement plan — so your future stays secure.

Why Choose FinEdge

FinEdge’s goal-based investing platform, Dreams into Action (DiA) blends cutting-edge tech and human expertise to provide unbiased investment guidance.

No Sales Targets
No Product Pushing
No Cross Selling/Upselling

People Purpose Product Personalization Process

FAQs

When should I start retirement planning in India?

The earlier, the better. Starting at 25–30 gives decades for compounding to grow your money. Even if you’re in your 40s or 50s, disciplined SIPs can still build a meaningful corpus.

What is the best investment for retirement planning in India?

Mutual fund SIPs in equity funds are among the best options because they provide long-term growth and flexibility. While NPS is better than PPF or LIC, its limits make mutual funds more effective for wealth creation.

How much money do I need for retirement in India?

This depends on your expenses, lifestyle, and life expectancy. Instead of aiming for arbitrary numbers (like ₹1 Cr or ₹5 Cr), calculate based on inflation, retirement age, and desired monthly income. An expert can help you crunch the right numbers.

How can I maximize my retirement savings?

Start early, take measured risks in equity SIPs, increase contributions regularly, and avoid low-yield products. Regular reviews and goal-based investing ensure your savings outlast you.