NRI Varadhi
Happy retired NRI couple enjoying their golden years in India

Retirement & Annuity Plans

Plan Your Golden Years in India

Smart retirement and annuity plans designed for NRIs — secure your income, protect your wealth, and enjoy the retirement you've worked so hard for.

Why Plan Now

Retire in India with Confidence

Returning to India after decades abroad requires careful financial planning. NRI Varadhi's retirement advisors help you choose the right pension plans, annuities, and investment products — ensuring a steady income stream and financial security for the rest of your life.

Government Backed

NPS (National Pension System)

₹500/year

Min. Contribution

Up to ₹2 Lakh

Tax Benefit

40% Mandatory

Annuity at 60

60% Tax-Free

Lump Sum at 60

India's flagship pension scheme — market-linked, tax-efficient, and open to NRIs. Build a retirement corpus and receive a regular pension after age 60.

  • Open to NRIs aged 18–70 years
  • Choice of equity, corporate bonds, and government securities
  • Additional ₹50,000 deduction under Sec 80CCD(1B)
  • Portable across jobs and cities
  • Online account management from abroad
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Guaranteed Income

Immediate Annuity Plans

Monthly / Quarterly

Payout Frequency

6–8% p.a.

Annuity Rate

₹1 Lakh

Min. Purchase

Yes

Lifetime Cover

Convert a lump sum into a guaranteed lifetime income. Ideal for NRIs who have accumulated savings and want a predictable, worry-free monthly income in India.

  • Guaranteed income for life — no market risk
  • Joint life option to cover spouse
  • Return of purchase price to nominee
  • Inflation-indexed annuity options available
  • Premiums payable from NRE/NRO accounts
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Long-Term Growth

Deferred Annuity / Pension Plans

5–30 Years

Accumulation

7–10% p.a.

Expected Returns

45–80 Years

Vesting Age

Sec 80CCC

Tax Benefit

Start building your retirement corpus today and receive a pension at a future date. Combines the power of compounding with guaranteed retirement income.

  • Flexible premium payment — single, limited, or regular pay
  • Bonus additions during accumulation phase
  • Partial withdrawal facility after lock-in
  • Death benefit payable to nominee
  • Option to commute up to 1/3rd of corpus tax-free
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NRI-Specific Guidance

Key Considerations for NRIs

FEMA & RBI Compliance

We ensure your retirement investments comply with FEMA regulations and RBI guidelines for NRI investments in India.

Tax Planning

Understand your tax obligations in both India and your country of residence — we help you avoid double taxation.

Repatriation of Funds

Guidance on repatriating pension income and maturity proceeds back to your overseas account.

Estate Planning

Ensure your retirement assets are structured for smooth inheritance and nomination for your family in India.

Start Planning Your Retirement Today

Our retirement advisors will assess your current savings, goals, and timeline — and build a personalised plan just for you.

Get a Free Retirement AssessmentCall an Advisor