Plan your golden years with a disciplined SIP for retirement. Create a large corpus and then use Systematic Withdrawal Plan (SWP) for regular monthly pension. Compare SIP vs NPS, PPF, EPF. Start early, retire rich. Download app.
Leverage compounding, equity growth, and SWP to create a lifelong monthly pension – inflation protected.
Starting early (age 30) with ₹5,000/month at 12% returns builds ~₹3.5 crore by age 60. Delay costs crores.
After retirement, convert your corpus into Systematic Withdrawal Plan (SWP) to receive a fixed monthly pension.
Equity SIP historically beats inflation (5-6%). Your pension grows or you can increase withdrawal rate annually.
LTCG on equity SIP: 12.5% above ₹1.25L gains. SWP withdrawals are partially tax-free (cost of units returned).
Compare returns, lock-in, annuity rules, and flexibility for your pension planning.
| Parameter | SIP (Equity/Hybrid) | NPS | PPF | EPF |
|---|---|---|---|---|
| Expected Returns | 10-14% p.a. (long term) | 8-10% (mix of equity & debt) | 7-7.5% p.a. | 8-8.5% p.a. |
| Lock-in Period | No lock-in (voluntary) | Until age 60 (60% annuity) | 15 years (extendable) | Until retirement (age 58) |
| Annuity Compulsion | No annuity – full corpus available | 40% must buy annuity (taxable) | Full withdrawal at maturity | Full withdrawal at retirement |
| Withdrawal Flexibility | Partial withdrawal anytime | Partial withdrawal after 10 years (limited) | Partial after 7 years | Limited (loans only) |
| Tax on Withdrawal | LTCG 12.5% above ₹1.25L | 60% tax-free, 40% annuity taxable | Tax-free | Tax-free (subject to conditions) |
| Best For | Flexibility, higher returns, SWP pension | Tax saving + disciplined retirement | Risk-free, tax-free | Salaried mandatory saving |
Build corpus during working years, then withdraw lifetime pension – in 5 simple steps.
Use the KYC form below or in-app. Aadhaar + PAN based verification.
Enter desired monthly pension (e.g., ₹50,000), current age, retirement age. Use retirement calculator inside app.
Select large cap, mid cap, or hybrid funds. Start SIP with as low as ₹500/month. Use step-up annually.
Convert your corpus into Systematic Withdrawal Plan (SWP) to receive fixed monthly income into your bank account.
Use our retirement calculator – enter current age, monthly pension need, see required SIP.
Download App & Use Calculator →Fill the form below. Our team will assist you with paperless KYC and help you build a retirement plan with SWP.
To get ₹50,000/month (₹6L/year) for 30 years after retirement, you need ~₹1.5 crore corpus. Starting at 30, ₹5,000/month SIP at 12% returns builds ~₹3.5 crore by 60 – more than enough.
SWP allows you to withdraw a fixed amount monthly from your mutual fund. You receive pension, and the remaining corpus stays invested for further growth.
SIP offers higher returns, full corpus withdrawal (no annuity compulsion), and flexibility. NPS gives tax benefit under 80CCD(1B) but forces 40% annuity purchase.
ASAP! Starting at 25 vs 35 makes a huge difference due to compounding. Even ₹1,000/month at 25 becomes ~₹1 crore by 60.
Yes, no lock-in. But avoid early withdrawal – let compounding work. For emergencies, keep a separate emergency fund.
ELSS SIP gives 80C deduction. For retirement, invest in growth funds – LTCG tax (12.5% above ₹1.25L) is lower than income tax slab.
Join thousands who secured their golden years with SIP and SWP – no pension worries.
One app – plan retirement, build corpus, then generate monthly pension with SWP.
STOP Wasting Your Hard-Earned Money on F&O Trading!
Download Sanchay karo app & start Investment With SIP
Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
The Registered name: PALLAB ROUTH | AMFI Registered Mutual Fund Distributor | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-2027
Copyright © 2024-2026 Sanchay Karo , All Rights Reserved.🇮🇳 Made with ❤️ in India (MSME- UDYAM-WB-12-0123391)
