When India is moving forward with the aim of becoming a developed economy by 2047, there is a very important issue on which there has been little talk till now – retirement security. Today, pension assets in India are only around 14% of GDP, which is much lower than many comparable countries. Union Budget 2026 is a big opportunity for the government to take India towards a “pensioned society” by strengthening the National Pension System (NPS). In this video we will discuss what major changes are possible regarding NPS in Budget 2026. Why withdrawal of extra tax incentive for self-employed people is necessary, how mandatory NPS contribution can become a bigger social safety net for gig workers, and why it is necessary to rethink the ₹7.5 lakh cap on employer contribution. We will also learn how making NPS tie-up mandatory for private companies and facilitating easy transfer between EPF-NPS can change retirement planning. If you are salaried, self-employed or part of the gig economy, then this video is very important for your future financial security. NPS is not just a pension scheme but can become the basis of India’s long-term economic strength.

There has been a big change for those planning pensions! The pension regulator has increased the investment limits of NPS, UPS and APY by issuing a new Master Circular.

Now these schemes will also be able to invest in Gold ETFs, Silver ETFs, Nifty-250 Index and Category I & II AIFs. With this, your retirement corpus will not depend only on safe bonds, but will also participate in growth-oriented assets.

Gold–Silver will provide inflation hedge, Nifty-250 will enhance long-term returns and AIFs will add high-potential opportunities. This change is special for those who want better growth with stability. Will this increase real wealth? Complete analysis is in the video!

Have you also deducted PF while working for years and thought that after retirement you will get good returns from both EPF and EPS? In this video, we will clear your biggest confusion – Do you really get ZERO interest on your EPS Pension? We will understand in simple language what is EPS (Employees’ Pension Scheme), who becomes eligible for pension in it, and how the rule of 10 years of service + 58 years of age applies. You will also know what options you have if you leave your job midway. The most discussed question was – Is the minimum pension of EPS going to be increased from ₹ 1000 to ₹ 7500? There were reports from October 2025 that a decision on this could be taken in the CBT meeting, but on December 1, 2025, the government made it clear in the Parliament that at present there is no plan to increase the pension. Increase is not possible without a new funding model—at present the EPS pension will remain at ₹1000 only. Watch this full video so that you can understand why interest is earned on PF but not on EPS, and how your retirement planning is affected.

Best retirement plan in india: Retirement planning is not something that you think about in old age, but this is the process so that you can cut your old age properly. If you are 25 years old and you already have a savings of 10 lakhs, then you have made a great start. Suppose you want to retire at the age of 55, then you have 30 years for retirement of your dreams. Let us tell you how you can make your retirement plan well.

Magic of compounding

If you invest your 10 lakhs in equity mutual funds or stocks for the next 30 years, where there is a possibility of getting 12 per cent annual returns on an average, then this amount can increase by 2.99 crores. Your basic investment in this will be 10 lakhs, while you will get 2.89 crores as interest.

Income after retirement

You can use this fund of 3 crore through a Systematic withdrawal Plan (SWP). If you withdraw 2.5 lakhs every month from the age of 55 to 70 years (15 years) and the rest of the money is on 7 percent returns in liquid funds, then you will be able to withdraw a total of 4.5 crore. Even after 15 years, you will have a fund of 28 lakhs and you must have earned a total interest of 1.88 crores.

Impact of inflation

Although after 30 years, the purchasing power of 2.5 lakhs will be less than today, but this plan will give you a strong basis. You can compensate for this by increasing your investment from time to time.

Invest from the age of 25 years

Actually, starting investing at the age of 25 gives you full advantage of compounding. Also, focus on equity. Equity gives good returns in the long term. Try to keep investing every month through SIP. Pay full attention to diversification. That is, invest in FD, Gold and Date Funds as well.

Start investing today

If you have not started retirement planning yet, then contact a financial planner today. Small savings and correct investment can provide you a comfortable retirement.

Disclaimer: (The information provided here is being given only for information. It is necessary to tell here that the investment in the market is subject to risks. Always consult expert before investing as an investor. Abplive.com is never advised to invest money here.)

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