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NPS & Retirement Planning

Retire Comfortably.
Never Outlive Your Wealth.

WEVRIN Capital helps you build a retirement corpus that works as hard as you did — combining NPS, SWPs, annuities, and smart asset allocation for lifelong financial security.

Plan My RetirementHow NPS Works
60
Retirement Age Target
₹1Cr+
Avg. Corpus Built
80C+
Tax Benefit Sections
₹1Cr+
Avg. Retirement Corpus
20+
Years of Planning Expertise
80CCD
Additional NPS Deduction
Tax-Free
Partial NPS Withdrawal

Why Retirement Planning

The Cost of Waiting
Is Higher Than You Think

India's middle class faces a retirement crisis in the making. With no government pension for private sector employees, rising inflation, and increasing life expectancy, most people vastly underestimate how much corpus they need — and how early they need to start building it.

WEVRIN Capital builds comprehensive retirement plans that combine NPS, EPF optimisation, mutual funds, and safe withdrawal strategies — so your money never runs out before you do.

Quick Retirement Reality Check

₹3.5Cr
Corpus needed for ₹1L/month retirement income for 25 years (7% inflation)
₹25,000
Monthly SIP needed starting at 30 to reach ₹3.5Cr by age 60 at 12% CAGR
Retirement planning

National Pension System

Understanding NPS in Depth

NPS is India's most tax-efficient retirement savings vehicle — and still massively underutilised by private sector employees.

What is NPS?

The National Pension System is a government-backed retirement scheme regulated by PFRDA. You invest regularly during your working years and receive a corpus + monthly pension at retirement.

Triple Tax Advantage

NPS offers deductions under Sec 80C (₹1.5L), additional Sec 80CCD(1B) (₹50,000), and employer contributions under 80CCD(2) — making it one of the most tax-efficient instruments available.

Two Account Types

Tier 1 (mandatory, locked till 60) for retirement savings with maximum tax benefits. Tier 2 (voluntary, liquid) for flexible savings with no lock-in but without tax benefits.

Asset Class Flexibility

Choose your mix of equity (E), corporate bonds (C), government securities (G), and alternative assets (A). The equity portion can go up to 75% till age 50.

Partial Withdrawal

After 3 years, up to 25% of Tier 1 corpus can be withdrawn tax-free for specific purposes like children's education, marriage, or home purchase.

At Retirement (Age 60)

Withdraw 60% of corpus tax-free as lump sum. Remaining 40% mandatorily invested in an annuity for monthly pension. Both components generate lifelong income.

Retirement Roadmap

WEVRIN's Retirement
Planning Framework

A retirement plan is not just a number. It's a carefully constructed strategy that accounts for inflation, life expectancy, healthcare costs, and changing income needs across different phases of your life.

1

Corpus Calculation

We calculate your exact retirement corpus requirement based on current lifestyle, inflation rate (7-8%), expected retirement age, and longevity assumptions.

2

Accumulation Strategy

We blend NPS, EPF, equity mutual funds, and SIPs into a cohesive accumulation plan with annual milestones and step-up mechanisms.

3

Pre-Retirement Glide Path

5-7 years before retirement, we gradually shift equity to debt — protecting your hard-earned corpus from market volatility as you approach the finish line.

4

Withdrawal Strategy Design

We design a Systematic Withdrawal Plan (SWP) that maintains your lifestyle, keeps pace with inflation, and ensures you never outlive your money.

5

Annual Review & Rebalancing

Life, income, and goals change. We review your retirement plan annually and adjust contributions, allocation, and strategy accordingly.

NPS Tax Benefit Summary

Section 80C
Own contribution (Tier 1)
₹1,50,000
Section 80CCD(1B)
Additional self-contribution
₹50,000
Total Max Deduction
Combined NPS benefits
₹2,00,000
Tax saved (30% bracket)
₹62,400 / year
Calculate My NPS Benefits

Take The First Step

Start Building Your Retirement Corpus Today

Every year you delay costs you lakhs in lost compounding. Let WEVRIN map your path to a comfortable, worry-free retirement.

Book Free Consultation Call Us Now
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