Planning for retirement has become more important than ever for private sector employees in India. Unlike government employees who receive pensions for life, most private employees retire with no guaranteed monthly income, depending only on EPF, savings, or children—none of which are reliable in the long run.
This is where the New Pension Scheme for Private Sector Employees, along with trusted private pension plans from companies like Bajaj, plays a major role in securing your financial future. With the right pension plan, you can enjoy a stress-free retired life with a fixed monthly income for life.
Why Private Sector Employees Need a Pension Plan
- No government pension
- Increasing life expectancy (you may live 80+ years)
- Rising medical expenses
- Job insecurity and early retirement risks
- Nuclear families and reduced financial support from children
A monthly pension ensures financial independence, dignity, and peace of mind after retirement.
Available Pension Options for Private Sector Employees
| Pension Option | Type | Suitable For |
|---|---|---|
| NPS (New Pension System) | Govt. Regulated | Long-term market-linked returns |
| Bajaj Guaranteed Pension Plan | Private Guaranteed | Those who want fixed lifelong income |
| Mutual Fund Retirement Plans | Market-linked | Moderate risk takers |
| EPF/VPF | Salary-based savings | Moderate but not enough alone |
Why Bajaj Pension Plan is a Better Choice
If you want a guaranteed monthly pension for life, Bajaj pension plans offer:
Lifetime monthly income (not just till age 75)
100% risk-free guaranteed returns
Multiple pension options (Single Life / Joint Life / Return of Purchase Price)
Tax benefits under Section 80C & 10(10D)
You decide the retirement age and pension amount
Monthly Pension Illustration (Example)
| Investment (One-time) | Approx. Monthly Pension for Life |
|---|---|
| ₹10,00,000 | ₹10,500 – ₹13,000 |
| ₹25,00,000 | ₹27,000 – ₹32,000 |
| ₹50,00,000 | ₹54,000 – ₹65,000 |
| ₹1,00,00,000 | ₹1,08,000 – ₹1,30,000 |
(Final payouts may vary depending on age & plan option. We will calculate exact figures for you.)
Eligibility
- Age: 30 to 65 years
- Private sector employees (IT, healthcare, banking, admin, HR, factory, etc.)
- Indian citizens & NRIs can apply
Tax Benefits
- Claim up to ₹1,50,000 under Section 80C
- Pension income can be structured for tax efficiency
- Retirement corpus grows with minimal tax impact
How to Apply Through MyGoldenRetire
Applying is simple:
- WhatsApp us your age & preferred pension amount
- We share your customized pension calculation
- Submit KYC (Aadhaar, PAN, Photo)
- Get your Pension Certificate + Monthly Income Guarantee
WhatsApp for free consultation: +91 8547125619
Visit: MyGoldenRetire.com
FAQs
1. What is the best pension scheme for private sector employees?
Bajaj Guaranteed Pension Plans are ideal if you want lifetime fixed monthly income without market risk.
2. Is NPS enough?
NPS is good, but it is market-linked and does not provide 100% guaranteed lifelong income.
3. Can I start at age 35 or 40?
Yes. In fact, starting early gives you higher pension at lower investment.
4. Will my pension stop after I die?
You can choose Return of Purchase Price or Joint Life Option so your spouse continues receiving income.
If you want a ₹25,000–₹75,000 monthly pension for life, start planning today.
Delaying even 5 years can reduce your pension up to 40%.
WhatsApp Now: +91 8547125619
MyGoldenRetire.com