Design a Retirement That Feels Like Your Second Innings
Personalised retirement roadmap combining NPS, mutual funds, annuities and guaranteed income plans so you never depend on anyone after 60.
Everything You Need to Know About Retirement Planning
The best time to plan retirement was yesterday — the second best is today. With average life expectancy rising past 80 and medical inflation at 14%, you'll likely spend 25-30 years post-retirement without a salary. Vimal Life Care builds a personalised retirement plan combining NPS, mutual funds, guaranteed income plans and annuities — designed to give you a monthly income you can never outlive, along with peace of mind for your spouse.
Why Retirement Planning With Vimal Life Care
Retirement Corpus Calculation
Know exactly how much you need to retire in your city, with inflation factored in.
Multi-Instrument Strategy
Blend NPS, equity mutual funds, PPF, annuities and insurance for a resilient plan.
Guaranteed Lifetime Income
Annuity and pension plans give you a fixed monthly income for life.
Extra Tax Deduction ₹50k
NPS contributions under Section 80CCD(1B) — over and above the 80C limit.
Spouse & Family Protection
Joint-life annuities ensure your spouse continues to receive income after you.
Legacy Planning Included
Ensure a smooth transfer of remaining wealth to children and grandchildren.
A Financial Partner You Can Trust for Life
IRDAI Certified Advisor
Licensed insurance advisory you can trust with every policy.
AMFI Registered Distributor
Registered mutual fund distributor for unbiased investment advice.
Personalized Financial Planning
Solutions designed around your goals, not product commissions.
Lifetime Claim Assistance
Free annual reviews, renewals and dedicated claim support.
Complete Retirement Planning Solutions
Every retirement planning plan we recommend is carefully compared across India's top insurers and institutions — so you never overpay and never under-cover.
Talk to Our Advisor- Retirement corpus & inflation calculator
- National Pension System (NPS)
- Immediate & Deferred Annuities
- Pension Mutual Funds
- Guaranteed Income insurance plans
- Public Provident Fund (PPF) planning
- Systematic Withdrawal Plans (SWP)
- Estate & succession planning
Who Should Start Retirement Planning Early?
Young Professionals
30s and 40s benefit most from compounding.
Self-Employed
No corporate pension? Build your own.
Couples 40-55
10-15 years to build a solid corpus.
Pre-Retirees
Convert savings into lifelong monthly income.
NRIs Returning to India
Plan an India-based retirement lifestyle.
Business Owners
Ensure passive income after handing over.
Compare Your Retirement Planning Options
A resilient retirement plan usually combines more than one instrument. Compare pension plans, mutual funds and annuities to design the right blend for your second innings.
* Retirement outcomes, returns, income, liquidity, taxation and withdrawal options depend on the product, investment choice, market conditions, applicable laws and individual circumstances. NPS, mutual funds and annuity products involve different risks and features. Please review the current product terms and applicable tax rules before making an investment decision.
Frequently Asked Questions
As a thumb rule, 25× your annual expenses at retirement. In most metros this means ₹3-6 crore depending on lifestyle. Our advisor calculates yours precisely.
Yes — low cost, market-linked returns, additional ₹50k tax deduction under 80CCD(1B) and a mandatory annuity component that ensures lifelong income.
The earlier the better — starting at 30 vs 45 can mean the difference between a ₹5 crore and ₹1 crore corpus for the same monthly contribution.
EPF is a strong foundation but usually insufficient on its own. We build a top-up plan combining NPS, mutual funds and insurance.
Yes — via immediate or deferred annuity plans that pay a fixed monthly amount for life, with options for spouse continuation.
Talk to Your Retirement Planning Expert
Share your details and Ghanshyam Singh will personally reach out within 24 hours to design a plan tailored for you. Free 30-minute consultation, zero obligations.
Start Building Your Retirement Corpus Today
Book a free consultation with certified advisor Ghanshyam Singh today.