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Pension Plans
A pension plan is a long-term financial product that helps you accumulate savings during your working years and provides regular income after you retire.
What Are Pension Plans?
Planning for retirement is like planting a tree—you may not enjoy its shade today, but in the future, it will be your greatest protection. At KriShiv In.Tech Private Limited, our pension plans are designed to ensure financial independence and a stress-free life after retirement.
How They Work
You invest periodically in a pension plan. Once you retire, the accumulated corpus is converted into regular annuity payments, ensuring steady income even without a paycheck.
Why Pension Planning Is Crucial Today
Rising Life Expectancy
People are living longer, which means your retirement funds need to last longer. Without a proper plan, you risk outliving your savings.
Inflation and Retirement Expenses
Medical costs, lifestyle expenses, and inflation can erode your savings. A pension plan shields you from financial instability.
Pension Plans Key Features with KriShiv In.Tech
Guaranteed Regular Income
Our pension plans ensure that you receive a fixed monthly income post-retirement.
Flexible Payout Options
Choose how you want your money—monthly, quarterly, or annually—based on your needs.
Secure Investment Strategies
We use a balanced investment approach to maximize returns with minimal risk.
Tax Advantages
Get tax benefits under Section 80C and Section 10(10A) of the Income Tax Act.
Types of Pension Plans We Offer
Immediate Annuity Plans
Start receiving a regular income right after you invest—perfect for those nearing retirement.
Deferred Annuity Plans
Invest today and start your pension after a chosen period, allowing your money to grow.
National Pension Scheme (NPS) Linked Plans
Combine the power of government-backed NPS with our flexible features.
Pension with Life Cover
Secure your family’s future with a plan that also includes life insurance coverage.
Why Choose KriShiv In.Tech for Pension Plans
Trusted Expertise in Financial Planning
Our years of experience in the financial sector make us a reliable partner for your retirement needs.
Tailored Retirement Solutions
We create custom plans based on your income, lifestyle, and future goals.
Hassle-Free Management and Transparency
From online tracking to transparent charges, we make pension planning easy.
Benefits of Our Pension Plans
Financial Freedom After Retirement
Enjoy life without worrying about your monthly bills.
Regular Monthly Income
Get a consistent income stream for your post-retirement years.
Protection Against Market Volatility
We ensure stable returns even during market fluctuations.
Optional Riders for Enhanced Security
Critical Illness Rider
Get a lump sum if diagnosed with critical illnesses like cancer or heart disease.
Accidental Benefit Rider
Additional coverage in case of accidental disability or death.
Who Should Opt for Pension Plans?
Working Professionals
If you’re employed, start early to build a strong retirement corpus.
Business Owners
Entrepreneurs can secure personal income beyond their businesses.
Self-Employed Individuals
For freelancers and consultants, pension plans provide financial stability.
Early Career Investors
Starting in your 20s means lower premiums and bigger returns.
How to Get Started Pension Plans with KriShiv In.Tech
Easy Online Application
Apply in just a few clicks—no lengthy paperwork.
Expert Financial Advice
Our specialists help you choose the best pension plan for your future.
Minimal Paperwork Process
A hassle-free process that focuses on simplicity and efficiency.
Common Myths About Pension Plans – Debunked
“I’m Too Young to Start Saving for Retirement”
Starting young lets you invest less but earn more due to compounding.
“Pension Plans Are Outdated”
Modern pension plans are flexible, high-return products tailored to today’s needs.
“They Don’t Offer Good Returns”
When combined with investment options and riders, pension plans deliver steady and secure growth.
Tips for Maximizing Your Pension Plan
Start Early for Higher Corpus
The earlier you start, the larger your retirement fund grows.
Combine Pension Plans with Investments
Pairing pension plans with SIPs, mutual funds, or term plans creates a holistic financial strategy.
Review and Adjust Regularly
Life changes—so should your financial plan.
Why Start Today?
The Power of Compounding
The sooner you start, the more your money multiplies over time.
Securing a Worry-Free Retirement
Why wait until it’s too late? Your future self will thank you.
