Editorial · India · 2026
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Independent retirement and pension information for Indians 50+ — verified against official sources.
Government Schemes
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EPS-95 Pension: What Indian Employees Should Understand Before Retirement
How the EPS-95 calculation works, what the pensionable salary cap means in practice, and what to verify at EPFO before retirement.
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Ayushman Bharat PM-JAY 70+ — Who Qualifies and How to Check Eligibility
All Indian citizens aged 70 and above are eligible for health coverage under the AB-PMJAY 70+ expansion. Eligibility, coverage limits and how to verify.
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Senior Citizen Income Tax Benefits — A Full Breakdown for 2026
Higher basic exemption limits, TDS thresholds and Section 80D benefits apply to senior and super-senior citizens at each age bracket.
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Retirement Planning
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NPS at 60 — What Happens to Your Corpus at Retirement
The rules governing NPS withdrawal, annuity purchase and lump sum options are often misunderstood. What subscribers can expect at retirement age.
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The Four Retirement Risks Most Indians Do Not Plan For
Beyond savings and pension amounts, four dimensions consistently affect retirement outcomes in India — rarely addressed in standard pre-retirement guidance.
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Personal Finance
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Healthcare Costs After 60 — What to Budget and Why Most Plans Fall Short
Medical expenses in India tend to rise faster than general inflation, particularly after age 70. How to think about healthcare costs in retirement planning.
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The Psychological Transition to Retirement — What Research Shows
Loss of daily work structure, professional identity and workplace relationships affects retirement satisfaction, independent of financial position.
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