One of the Best Retirement Plans in India Starts in Your 20s

Retiring early isn’t just a dream - it’s a decision you make today.

If you're in your 20s and think retirement planning is something to worry about "later," you’re not alone. Most young professionals see it as something their parents do. But here’s a truth worth noting: the earlier you start, the richer your second innings.

Enter the National Pension System (NPS) - one of the most powerful tools to build your retirement corpus from scratch.

Why NPS is the Best Retirement Plan for young professionals

Think of NPS as your financial fitness tracker. It keeps growing quietly in the background, with every contribution pushing you closer to your future freedom. Managed by trusted names like ICICI Prudential Pension Fund, it’s built for the long haul.

Here’s what makes it the best pension plan in India:

• Flexible contributions, starting from as low as ₹500

• Equity + debt exposure for balanced growth

• Tax benefits under Section 80CCD (1) and an additional ₹50,000 under 80CCD (1B)

• Professional fund management

• Post-retirement pension payout

Start Small. Think Big.

Let’s break it down. You begin with just ₹2,000/month at age 25. That’s less than your weekend food delivery budget. Stick with it for 35 years and assume a 9% annual return. By 60, you could be sitting on a corpus of ₹75–80 lakhs, plus a steady pension post-retirement.

This is not some financial fantasy - it’s the power of a contribution-based retirement savings scheme like NPS.

The questions you didn’t know you had

What are the benefits of NPS?

Tax savings, market-linked returns, compounding, and a regular pension after 60.

Can I withdraw before retirement?

Yes - up to 25% for emergencies like illness or higher education.

What’s the maturity period?

At 60, you can withdraw up to 60% of your corpus. The rest goes towards your annuity (pension income).

Retirement Isn’t about age. It’s about preparation

Your career is picking up pace. Your life is just taking off. But your freedom at 60 - or even 50 - depends on what you choose today.

So, while you're investing in gadgets, gym memberships, and weekend getaways, take a moment to invest in your future self. Open your NPS account with ICICI Prudential Pension Fund today.

Because starting early isn’t just smart - it’s powerful.

Location: Mumbai, Maharashtra, India

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