Investors · Government Officers

The pension is the floor. Not the ceiling.

You already have what private-sector India envies: a secure income for life. That security is a superpower — it means your monthly surplus can afford to grow, instead of hiding in a savings account.

The foundation you stand on
Pension / NPSsecured
GPF / PPFsteady
Housing & medical coverprovided
Monthly surplusunderworked
Everything is safe. One line deserves more ambition.
Pension top-up calculator

Pension + a second cheque.

A monthly SIP from now till retirement becomes a corpus. The corpus becomes a second monthly income — on top of the pension, for life.

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Corpus at 60
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Second cheque, monthly
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Second cheque assumes a 6% withdrawal on the corpus, keeping principal broadly intact. Illustration only — returns are not guaranteed.
Working with what you have

GPF and PPF are excellent. They're also not enough.

Keep maxing the guaranteed
GPF and PPF stay the bedrock — tax-free, government-backed, unglamorous. We never suggest replacing them. We suggest adding to them.
Let the surplus outgrow inflation
The portion above the guaranteed layer goes to hybrid and index funds — because a 30-year retirement needs growth, not just safety. How funds work →
Plan the children's goals separately
Education and weddings get their own SIPs with their own dates — so they never raid the retirement layer when the time comes.

Thirty years of service deserves forty years of comfort.

A straightforward conversation — what you have, what's guaranteed, and what the surplus can quietly become.

+91 88600 20820 Book a conversation