Old Age Poverty is a subject which more often than not, goes unnoticed.

All You Need To Know About Old Age Poverty

Pension reform in India refers to efforts to improve the country's pension system

Comprehensive Guide to Pension Reform in India

Retirement gratuity is a lump sum payment made to an employee upon their retirement from a company.

Pros And Cons Of Retirement Gratuity

Taxes are an unavoidable part of life for everyone. For many people, the topic of taxes can be a confusing and intimidating one.

Simplfying The Ways Of Tax Saving

A credit score is a numerical value that represents your creditworthiness. It is used by lenders and financial institutions to determine the risk of lending you money or offering you credit.

Unlock The Secret To Improve your Credit Score

A life certificate is a document that is used to confirm that a pensioner is still alive.

How to Obtain a Life Certificate for Pensioners

Union Finance Minister Nirmala Sitharaman presented the 2023-24 Budget on February 1st. 

Budget 2023: Important Things You Should Know ft.Finance

Liquidity ratio is a financial metric that measures a company's ability to meet its short-term obligations using its liquid assets.

Understanding Liquidity Ratios and Their Significance

The phases of retirement refer to the different stages of life that an individual may experience after they retire from their primary occupation.

The phases of retirement: Explained

How does pension get affected by wealth inequality

How does Pension get Affected by Wealth Inequality

When it comes to achieving financial freedom, paying off debt should always be top of the list.

Breaking Out of Debt:- What You Need to Know to Achieve Financial Freedom

GST stands for Goods and Services Tax, which is a value-added tax (VAT) levied on the supply of goods and services in India.

All you need to know about GST returns

Based on the success and popularity of the Varishtha Pension Bima Yojana 2003 (VPBY-2003) and Varishtha Pension Bima Yojana 2014 (VPBY-2014) schemes, it was decided to launch a simplified scheme of assured pension of 8% called the Pradhan Mantri Vaya Vandana Yojana to protect elderly people aged 60 years and above against a future fall in their interest income due to uncertain market conditions, as well as to provide social security during old age

 Pradhan Mantri Vaya Vandana Yojana

The best investment option for tax savings depends on an individual's financial goals, investment horizon, and risk tolerance.

NPS vs ELSS vs PPF:- Which is Better for Tax Saving?

Fraud detection is a collection of actions conducted to avoid property or money from being procured through deception.

What is Fraud Detection 

By choosing the right plan, one can live a financially secure life even when not working in his or her golden years.

What Is the Future Value of Money

The features and benefits of the National Pension System (NPS) are the same for all Indian citizens and the corporate sector, or any other sector for that matter.

Difference between Individual and Corporate account in NPS

The National Pension System (NPS) is a voluntary, defined contribution retirement savings scheme that enables subscribers to make the best decisions for their future by making systematic savings throughout their working lives.

What is NPS

Liquid Funds are a category of mutual funds which makes investments in assets having a residual maturity of up to 91 days.

Everything you need to know about Liquid Funds

Employees Provident Fund (EPF) is a government-managed savings programme for employees who can contribute a portion of their pension fund each month.

Is employee's share equal to employer's share

Employees Provident Fund (EPF) is a government managed savings programme for employees who can contribute a portion of their pension fund each month.

Is Employee's share in PF equal to Employer's share

When most people go to the grocery store to buy food or fill up their car with gas, they are probably thinking about inflation in the short term.

Relation of Inflation with Pension

 Digitization is changing the world and making our lives easier by simplifying things. In India, the DigiLocker app is widely used. It has 36.7 million registered users and 156 issuer organisations, according to the most recent statistics. It is risk-free, secure, and free. You can use it to store important and official documents on your phone, such as educational certificates, birth certificates, PAN cards, Aadhaar cards, passports, and voter IDs.

Benefits of using Digilockers for NPS subscribers

 A penny saved is a penny earned. One strategy for reducing your tax burden and boosting your revenue is tax planning. The income tax act allows for deductions for a variety of investments, savings, and expenses made by the taxpayer during a specific fiscal year. We will go over a few ways that you can reduce your tax liability.

Which tax saving investment option should you choose

Saving money for retirement is a necessary step for every individual. For this purpose, the government has extended two pension schemes namely, Atal Pension Yojana(APY) and National Pension Scheme (NPS).

Can one open both APY and NPS accounts?

The National Pension System (NPS) is a voluntary, defined contribution retirement savings plan created to help members make the best choices for their future via methodical saving throughout their working lives.

Picking Asset Allocation for Your NPS Investments

The National Pension System (NPS) is an optional retirement planning scheme available to Indian citizens. The Government of India launched this scheme in January 2004 to assist government employees in saving for their retirement. However, the NPS scheme was opened to all sections in 2009.

Are NPS returns and maturity amount taxable

Employees Provident Fund (EPF), is a mandatory savings and retirement scheme for eligible employees. Employees can rely on the fund's corpus after they retire.

Withdrawal in Provident Fund

A stock market crash is when stock prices suddenly fall as a result of speculative bubbles and the economy. The stock market is supported by factors such a protracted period of rising stock prices, excessive economic optimism, price-earnings ratios that are higher than long-term norms, as well as the exploitation of marginal debt and leverage by market players. In order to reduce their losses caused by the falling value of the equities, shareholders begin to sell off their shares..

Future of Investment or savings in Market Crash

The Government of India established the National Pension Scheme (NPS) to provide citizens with a secure future after retirement. It is usually observed that participation in a scheme is frequently easier than exiting a scheme.

All you need to know about Withdrawal in NPS

Account Aggregators are organisations which allow members to communicate and access data through one financial institution to another in account aggregator networks. The RBI has granted these aggregators rights to enter and share data.

Account Aggregator : What Is It, How Will It Work

A former president is entitled to complimentary health attention and treatment under The President's Emoluments and Pension Act, 1951, as well as first-class travel wherever in India when escorted by one person, whether by air, rail, or ship.The monthly pay for India's presidency is Rs 5 lakh.

Everything you need to know about Presidents Pension

Private PF trusts handle the budget of the company's employees. They must offer the same or a higher interest rate than EPFO.

How to transfer EPF account from employer's EPF to EPFO

Retirement planning means preparing today for your future life so that you continue to meet all your goals and dreams independently. This includes setting your retirement goals, estimating the amount of money you will need, and investing to grow your retirement savings. Every retirement plan is unique.

Why is personalized retirement planning important

Reduced risk investments are referred to as defensive investments. This comprises a number of resources. High-quality, short-maturity bonds, such as US Treasury notes, exchange traded funds (ETFs) that replicate market indexes, large, high-quality known firm stocks (i.e. blue-chip stocks), and stocks that pay a dividend are typical assets in a defensive portfolio. Investors can reduce investing losses by using defensive investment tactics.

The Pros and Cons of a Defensive Investment

Artificial intelligence is fuelling every sector these days, and any industry that ignores this reality may find itself in the history books!

Machine Learning in Fintech

Automated payments have only recently begun their enterprising voyage, much like a devoted traveller seeking their ideal destination, soon it’ll be a frictionless process. The engineering adhesive streamlining the dedicated flow of events is the Internet of Things.

How do the Payments on Auto-Pilot work?

Artificial intelligence marketing makes appropriate decisions based on information collection, data processing, and extra observations of viewers or economic trends which may impact marketing.

AI powered marketing

he primary goal of making an investment in a pension plan is to have a consistent income even after retirement, as well as a backup plan in case your savings run out during an emergency.

How, when and why should you invest in Pension Plan 

Budget planning is the process for wiser handling of your expenses and a tool to generate revenue out of your savings over some time.

Tips to plan your budget early.

UAN number is unlike the ambiguity of EPF number, UAN number remains the same throughout the employee's life span. However, the EPF number keeps on changing as the employment changes.

Difference between EPF and UAN number

The Old Pension Scheme is basically a General Provident Fund (GPF) facility.NPS or New Pension Scheme is a two-tier contribution-based system through which one can decide where to invest their money.

Difference between NPS and OPS

PensionBox makes it effortless to plan your employee's retirement, and assists them track their pension savings as well as other saving sources in just a few clicks.

How Can You Improve Employee Retention

 A Voluntary Provident Fund (VPF), an extension of the EPF (Employee Provident Fund), allows employees to make voluntary contributions to their provident fund account.

Voluntary Provident Fund

The National Saving system is a scheme governed by the Ministry of Finances in India, handled and managed by the Indian Postal Department.

National Saving Scheme

The Public Provident Fund (PPF) is a savings-cum-tax-saving instrument in India introduced by the National Savings Institute of the Ministry of Finance in 1968.

The Public Provident Fund

A pension is an investment fund that accumulates capital to be distributed in the form of pension to employees upon their retirement.

Pension Basics- What's happening in the Pension Market?

Old age is a bittersweet path and to make life easy, one must plan their retirement to lead a relaxed life.

5 investment products you must invest in now to plan your Retirement. 

Employees Provident Fund Organisation (EPFO) lowered the interest rate on Employees' Provident Fund to 8.1 percent for 2021-22

EPF rates are down- Here's why?

FIRE (Financial Independence Retire Early) is a movement that began in the United States so that they could retire early and become financially independent so that they didn’t have to rely on any job in order to live their lives.

FIRE (Financial Independence Retire Early)

A tax exemption is the right to exclude all or some income from taxation by federal or state governments.

Tax Exemption

Are you bored with the regular 9 to 5 life and want to retire early to live the life of your dreams?

Retire before the age your dad retires

Millenials and GenZ who comprise the job market love it, when their salaries are credited into their bank accounts.

All you need to know about Systematic Investment Plan

First things first, you’re going to make it in life. It’s definitely not cakewalk, but it sure isn’t something you cannot battle.

A letter to my younger self

Employee Provident Fund is a scheme established by the government of India and set up by the EPFO (Employee Provident Fund Organisation) under the guidance of the Ministry of Labour and Employment.

Employee Provident Fund

We also know that the stock market is a stormy place for both beginners and experienced investors alike. Analysing and picking stocks is not everyone’s cup of tea and having a fund manager manage your portfolio can be expensive on an individual level.

Equity Linked Saving Scheme

Atal Pension Yojana (APY) is a Government backed pension scheme open to all citizens of India. APY primarily focuses  on the unorganised sector. It is administered by the Pension Fund regulatory and Development Authority (PFRDA).

Atal Pension Yojana

NPS or National Pension Scheme is a voluntary defined contribution scheme where you can create a Retirement fund that will help you secure your old age.

Everything to know about National Pension Scheme

4 out of 5 Indians are not prepared for their retirement needs. As the average population starts ageing, a larger group of the population will be in their retirement days.

Pension Basics: Need for Retirement Planning in India

The past 2 years have been absolutely chaotic due to the pandemic. Many of us overlooked key financial tasks as we struggled to stay afloat and used up our retirement savings.

Retirement Planning: 5 Financial year end tips

“Money cannot buy you all the happiness in the world”, said a man who probably had a lot of money. The problem really is not having any of it.When one doesn’t have enough money, it becomes the source of a lot of pain, frustration and anger.

Financial Wellbeing: Taking care of your Financial Wellness in 2022

How do you think your grandmother manages her monetarily needs? Does she get a monthly income to survive? If so, how much? Do you think that’s enough to sustain?

What the world needs to know about the Gender Pension Gap

PensionBox is India’s first digital pension platform that empowers millions to plan their retirement digitally. Our users can easily create personalised pension plans within minutes to track their pension savings, contribute and withdraw pension online.

Our Story: The making of PensionBox

Dear Mom, You are an introduction to unconditional love, I am explicitly and blatantly in awe of you.  This International women’s day let’s look at a few of the many gestures that showcase the qualities of unconditional love that only a mother’s heart can fathom.

Indian Pension: Things she won’t say ft. Maa

A payslip is a document that outlines an employee's earnings and deductions for a specific pay period. It is provided to employees along with their salary and serves as a record of their earnings and deductions. A typical payslip will show an employee's gross pay, i.e., their total earnings before deductions, and their net pay, i.e., their total earnings after deductions.

Understanding the payslip and the components in it

Finally, PensionBox is ready for its first beta launch and you will have the access soon. Your feedback & suggestions will decide the future roadmap.

Everything you need to know about PensionBox's Beta Testing

Before you start reading this article, let us clarify that the best age or the time to start planning your retirement is from the day when this thought comes to your mind.

Retirement: How to plan your retirement in your 30s

The Pension Fund Regulatory and Development Authority (PFRDA) has kickstarted a campaign under ‘Azadi Ka Amrit Mahotsav’. 1st October 2021 as the National Pension System Diwas (NPS Diwas) to promote pension and retirement planning for a carefree ‘azad’ retirement.

Pension Awareness Day: Everything you need to know about NPS Diwas

To answer that we have two generic methods to calculate your pension needs. We have seen that some can live on ₹20,000 per month & others need ₹1,00,000 to maintain their lifestyle. 

Pension Basics: How much pension do I need?

Before you start reading about the reasons, we want to understand that aging is a universal phenomenon. Everyone around the world including you will age and hence retirement planning is not a choice but a necessity.

Indian Retirement: 5 Reasons to take your retirement planning seriously

Co-creation is the process of building a solution to solve a major problem with the people who are facing the same problem.

Everything you need to know about PensionBox’s co-creators community

Pension is your monthly income from your retirement savings or the government's pension program. In simple words, Pension = retirement Income.

Our Blogs

India’s First Digital Pension Platform