Plan a retirement that pays you a salary — for life.
I help salaried professionals in India build a guaranteed monthly income for life after 60 using IRDAI-regulated pension & annuity plans from a leading IRDAI-licensed insurer.
Pension & annuity plans curated from a leading IRDAI-licensed insurer
Why Plan Now
Retirement planning can't wait for "next year".
Every 5 years of delay nearly doubles the monthly premium needed to secure the same retirement income.
You'll live longer than you think
Life expectancy at 60 in urban India is now 78–82 years. That's 20+ years of expenses after your last salary cheque.
Medical inflation runs the show
A ₹5L hospitalisation today will cost ₹35L+ in 25 years. Health cover alone isn't enough — your corpus must absorb it too.
No govt pension for private salaried
Unlike government employees, you have no defined-benefit pension. EPF + gratuity typically covers only 6–8 years of retirement.
What You Get
What retirement planning gives you.
Financial freedom after 60 — live life on your terms.
₹1–5 Crore Corpus
Systematic planning builds a massive retirement fund.
Monthly Pension Income
Get ₹50K–₹2L/month regular income after retirement.
Tax Benefits Up to ₹2L
NPS + ELSS + PPF — maximize your tax savings.
Inflation-Proof Planning
Your plan grows faster than inflation.
The Difference
With plan vs without plan.
Two retirements. Two very different outcomes.
- Depend on children
- Cut lifestyle drastically
- Medical bills become burden
- No financial freedom
- Constant money anxiety
- ₹50K–2L monthly pension
- Same or better lifestyle
- Health costs covered
- Complete independence
- Peace of mind, always
Retirement Solutions
Four ways to build a paycheque that outlives your career.
I'm insurer-agnostic. I compare plans across 8 a leading IRDAI-registered insurer and recommend the mix that fits your income, age and family — not the one that pays the highest commission.
Deferred Pension Plans
Save now, draw a guaranteed pension from 60.
- Ideal for
- Age 30–50 · steady income
- Payout
- Lifelong monthly pension
- Tax benefit
- 80CCC · 10(10A)
₹25,000/m for 25 yrs → ~₹1.2 L/m guaranteed pension*
Compare optionsImmediate Annuity Plans
Convert a lump sum into instant lifetime income.
- Ideal for
- Age 55+ · retirees with corpus
- Payout
- Starts within 1 year
- Tax benefit
- Annuity taxed as income
₹50 L lump sum → ~₹28,500/m for life*
Compare optionsULIP Pension Funds
Build a larger corpus with equity growth.
- Ideal for
- Age 30–45 · risk-tolerant
- Payout
- Lump sum + annuity at vesting
- Tax benefit
- 80C · 10(10D) (subject to cap)
12% CAGR target · transparent NAV
Compare optionsGuaranteed Income for Life
Income from 60 + legacy for your family.
- Ideal for
- Age 35–55 · legacy planners
- Payout
- Monthly income + death benefit
- Tax benefit
- 80C · 10(10D)
₹50,000/m premium → ₹3 L/m + ₹2 Cr legacy*
Compare options*Indicative illustrative figures. Actual benefits depend on insurer, plan variant, age and premium. Speak to me for a personalised quote.
How It Works
3 simple steps to get started.
- 01
Book Free Consultation
Fill the form — I personally call you within 2 hours to understand your goals.
- 02
Get Custom Plan
A written retirement roadmap based on your age, income, family and goals — free of cost.
- 03
Start Building Wealth
Begin with as little as ₹5,000/month — and watch your corpus compound to ₹1–5 Cr.
Quick Snapshot
See what your future paycheque could look like.
A salaried professional aged 35, saving consistently across the right mix of pension plans, can build a corpus that pays a guaranteed monthly income for life from 60.
Get My Personalised ProjectionTax Benefits
Pension plans that save tax today and pay income tomorrow.
Salaried professionals in the 30% slab can legally save up to ₹46,800 a year through pension-plan premiums alone — and the maturity benefits remain largely tax-efficient.
Section 80C
up to ₹1,50,000Pension plan premium (deferred annuity) qualifies under 80C — alongside EPF, PPF, ELSS.
Section 80CCC
within 80C capPremium paid towards any IRDAI-approved insurer's pension fund is deductible — the dedicated pension section.
Section 10(10A)
1/3 commutation tax-freeOn vesting (typically age 60), the commuted portion of your pension is exempt from tax.
Section 10(10D)
maturity tax-freeLife insurance and qualifying pension maturity proceeds are tax-free, subject to current premium-cap rules.
Indicative under the old tax regime, FY 2024–25. Tax laws change; benefits depend on your regime choice. Please consult before subscribing.
Lic. No. IRDA/XXXX/2018
Meet Your Advisor
Hi, I'm Sougata Haldar.
For the last 12 years I've helped 1,200+ Indian families design retirement plans they can actually trust — built around guaranteed pension and annuity products, not chased after the highest-commission policy.
I'm an IRDAI-licensed advisor and Certified Financial Planner (CFP®) based in Kolkata, partnered with 8 a leading IRDAI-licensed life insurer across India. Most of my clients are salaried professionals aged 30–45 in IT, BFSI, consulting and pharma across Bengaluru, Mumbai, Pune, Delhi NCR and Kolkata.
"A pension plan isn't a product you buy in a hurry. It's a 30-year promise — and someone has to be there to keep it."
Recognition & Awards
Recognised amongst India's top-performing retirement advisors.
Awarded a place at the Grand Slam 2025 leadership convention in Australia — an insurer-hosted recognition reserved for advisors who consistently deliver quality retirement outcomes and long-term client relationships.
Awards don't buy you a pension — but they do tell you which advisor is being trusted with the planning of thousands of Indian families year after year.
Client Stories
Real plans. Real Indian families.
"Sougata locked me into a deferred pension plan at 32. I now know exactly what monthly income I'll receive from 60 — guaranteed, in writing. The peace of mind is worth every rupee."
"Two incomes, scattered policies, zero coordination. He consolidated everything into one annuity-led plan with ₹1.8 L/month guaranteed pension from 60 + ₹2 Cr legacy for our kids."
"I'd been mis-sold a ULIP at 27. Sougata helped me surrender cleanly, reinvest in a proper guaranteed pension plan, and saved me ₹46,800 in tax in year one itself."
Questions, Answered
Things people ask before their first call.
When should I start retirement planning?
Ideally in your late 20s or early 30s. Every 5-year delay can cut your final corpus by 35–50% because of lost compounding. If you're 30–45 today, starting this month still comfortably targets a ₹1–5 Cr corpus by age 60 — but the monthly premium doubles roughly every 5 years you wait.
How much do I need for retirement?
For a middle-class urban lifestyle at today's cost, plan for a ₹1.5–5 Cr corpus by age 60 — which translates to ₹50K–₹2L monthly pension, inflation-adjusted. We calculate your exact number using your current household expenses, city tier, target retirement age and expected lifespan (78–82 years in urban India).
NPS vs Mutual Fund — which is better?
Neither alone is enough. NPS gives you an extra ₹50,000 tax deduction under 80CCD(1B) and a guaranteed annuity floor at 60. Equity mutual funds / ELSS drive real growth above inflation but carry market risk. A good plan blends NPS + ELSS + PPF + annuity — the exact mix depends on your age, tax slab and risk profile.
Is the consultation free?
Yes — 100% free, no obligation, and zero sales pressure. You get a written retirement roadmap that's yours to keep even if you don't buy a single product through me. If you later choose an insurance plan, the insurer pays me an IRDAI-regulated commission — you pay nothing extra.
Plan Once. Live Easy.
Retire without anxiety — start your plan today.
Free 20-minute consultation. You'll walk away with your retirement-gap number and a clear, insurer-agnostic recommendation — whether or not we work together.