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48% of Indians are unsure of the retirement corpus they will need*
golden year

Solutions designed by experts for every stage of your retirement journey.

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48% of Indians are unsure of the funds they need before retirement. Have you planned yet?*

You are in time to start planning towards your retirement. Take a look, how the golden years programme can help you.

Plan your Retirement

Set the building blocks in your retirement planning journey

Do you know how much money you would need, to maintain your lifestyle after retirement?

Your current age?

-
Years
+
OR

Your desired retirement age?

-
Years
+
OR

Assumptions considered as per historical data:
Life expectancy age – 85 years
(Age until which retirement corpus should sustain).

notepad
77% of Indians don’t account for inflation in their retirement plan! Take the Golden Years journey to accurately plan for your retirement.

Do you know how much money you would need, to maintain your lifestyle after retirement?

What are your current average lifestyle expenses per month?

-
+

Assumptions considered as per historical data:

  • Inflation Rate - 4.5%
  • Post Retirement Rate of Return – 5.5%
utilities bills
Take into account your living expenses, utility bills, health, and entertainment. Exclude what you may not continue, while you transition into your retirement years.

Lifestyle Expenses Summary

Lifestyle Expenses Today
Rs. 50,000

Monthly Expenses after Retirement
Rs. 96,764

The estimated amount of money you will need at retirement towards your lifestyle expenses

Rs. 3,00,00,000

With the Golden Years programme, get an accurate estimation of how much you need to continue living the lifestyle you desire in your retirement years.

Let your money do the hard work so that you can relax and live life to the fullest.

Start planning right away!

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Be it exotic holidays, pursuing a passion or children’s marriage, retirement is the time to fulfil your bucket list.

With the Golden Years programme, you can plan for your dreams and convert them into reality. Grow your savings with our customised solutions and meet your retirement goals to enjoy a fulfilling life ahead.

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Earmarking investments will keep you on track in meeting your retirement goals.

Our experts recommend allocating investments towards your goals as it brings accountability and a purpose to the retirement plan.

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Having a clear vision along the road to retirement will set you on the path of meeting your goals.

Break down your goals into smaller financial milestones with ease. Identify the difference between how much you need and what you have saved towards your retirement.

Your retirement needs are unique and requires expert guidance at every step of the journey.

Save yourself from the hassle of searching for the most suitable options. Our experts have hand-picked solutions for your retirement.

Begin your retirement planning journey with pre-filled details

Manage your Progress

Transition smoothly into your retirement years

Single View of Investments

Monitor your progress in a single view, towards your retirement goals.

Keeping an eye on your investments is easy. Track your progress and get notifications to manage your investments better with intelligent dashboards.

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Consolidate Finances

Simplifying finances for retirement starts with consolidation of your banking, investments, payments and more.

With the Golden Years programme, you get insights and solutions for staying in control of your finances. Simplify your transition into retirement by efficient financial management.

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Transition with ease

Manage retirement transition in all aspects of your life.

With our assistance, you can smoothly manage employer transition benefits like provident fund, gratuity and more. Our experts will help you achieve a wide range of goals, be it adequate life and health cover; or buying a retirement home or a family car.

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Digital solutions for recurring transactions

Manage your recurring income and payments with ease.

Our digital solutions offer you a secure and safe banking experience. Manage your money better with pension solutions, digital life certificate, rent@click for rent management and spend management solutions. With iMobile Pay, you get access to services like paying bills, recharge, paying to contact, managing your cards and a lot more on the go.

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83% of Indians without a retirement plan lack an alternative source of income*

Enjoy your Retirement

Live life to the fullest with a worry-free retirement

Personalised Withdrawal Plan

Your hard-earned money saved over the years, should now work hard for you.

Maximise your investment returns with our expert recommended solutions, that are personalised basis your goals and regular income needs.

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Concierge Services

Live your golden years the way you desire.

Live your passion and enjoy your retirement with curated experiences offered by dedicated Concierge Services, which are just a call away.

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Legacy Planning

Leave a legacy that will last beyond your lifetime.

Ensure the future well-being of your family with Will Management services. Also, with iLocker you can safeguard all your financial details and keep it handy at all times for your loved ones.

manage-progress
manage-progress
72% of the people surveyed felt they are not prepared enough for retirement*

You are in time to start planning towards your retirement. Take a look, how the golden years programme can help you.

Plan your Retirement

Set the building blocks in your retirement planning journey

Assess the required retirement savings

As you start nearing your golden years, have an accurate picture of how much money you would need for retirement.

Optimise your retirement plan by allocating your funds towards lifestyle expenses, family needs and retirement goals.

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Re-balance your Investments

As you near retirement, factor your evolving needs and safeguard your investments against any volatility.

Get expert recommendations to re-balance your investment portfolio at periodic intervals based on time horizon of retirement goals and investment performance.

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Transition with ease

Manage retirement transition in all aspects of your life.

With our assistance, you can smoothly manage employer transition benefits like provident fund, gratuity and more. Our experts will help you achieve a wide range of goals, be it adequate life and health cover; or buying a retirement home or a family car.

manage-progress
manage-progress
48% of Indians are unsure of the retirement corpus they will need*
78%
78% of Indians miss out on considering inflation, market volatility etc. while planning for retirement*
79%
79% of Indians miss out on considering inflation, market volatility etc. while planning for retirement*
80%
80% of Indians miss out on considering inflation, market volatility etc. while planning for retirement*
81%
81% of Indians miss out on considering inflation, market volatility etc. while planning for retirement*
Begin your retirement planning journey with pre-filled details

Manage your Progress

Transition smoothly into your retirement years

Single View of Investments

Monitor your progress in a single view, towards your retirement goals.

Keeping an eye on your investments is easy. Track your progress and get notifications to manage your investments better with intelligent dashboards.

manage-progress
Personalised Withdrawal Plan

Your hard-earned money saved over the years, should now work hard for you.

Maximise your investment returns with our expert recommended solutions, that are personalised basis your goals and regular income needs.

manage-progress
Digital solutions for recurring transactions

Manage your recurring income and payments with ease.

Our digital solutions offer you a secure and safe banking experience. Manage your money better with pension solutions, digital life certificate, rent@click for rent management and spend management solutions. With iMobile Pay, you get access to services like paying bills, recharge, paying to contact, managing your cards and a lot more on the go.

manage-progress
manage-progress
83% of Indians without a retirement plan lack an alternative source of income*

Enjoy your Retirement

Enjoy a worry-free life in your retirement years

Premium Banking Services

Make your banking hassle-free with exclusive privileges.

A rewarding banking experience awaits you. Enjoy premium offerings and a dedicated relationship management team.

manage-progress
Concierge Services

Live your golden years the way you desire.

Live your passion and enjoy your retirement with curated experiences offered by dedicated Concierge Services, which are just a call away.

manage-progress
Legacy Planning

Leave a legacy that will last beyond your lifetime.

Ensure the future well-being of your family with Will Management services. Also, with iLocker you can safeguard all your financial details and keep it handy at all times for your loved ones.

manage-progress
72% of the people surveyed felt they are not prepared enough for retirement*

You are in time to start planning towards your retirement. Take a look, how the golden years programme can help you.

Plan your Retirement

Set the building blocks in your retirement planning journey

Transition with ease

Manage retirement transition in all aspects of your life.

Get expert guidance on transition towards your financial, social and physical wellbeing.

manage-progress
Personalised Withdrawal Plan

Your hard-earned money saved over the years, should now work hard for you.

Maximise your investment returns with our expert recommended solutions, that are personalised basis your goals and regular income needs.

Be Prepared for Contingencies

Safeguard your retirement funds against unforeseen contingencies.

Meet your unanticipated financial needs with tailor-made solutions like Overdraft against FD, Loan against Securities and Loan against Property.

48% of Indians are unsure of the retirement corpus they will need*
78%
78% of Indians miss out on considering inflation, market volatility etc. while planning for retirement*
79%
79% of Indians miss out on considering inflation, market volatility etc. while planning for retirement*
80%
80% of Indians miss out on considering inflation, market volatility etc. while planning for retirement*
81%
81% of Indians miss out on considering inflation, market volatility etc. while planning for retirement*
Begin your retirement planning journey with pre-filled details

Manage your Progress

Transition smoothly into your retirement years

Single View of Investments

Monitor your progress in a single view, towards your retirement goals.

Keeping an eye on your investments is easy. Track your progress and get notifications to manage your investments better with intelligent dashboards.

manage-progress
Digital solutions for recurring transactions

Manage your recurring income and payments with ease.

Our digital solutions offer you a secure and safe banking experience. Manage your money better with pension solutions, digital life certificate, rent@click for rent management and spend management solutions. With iMobile Pay, you get access to services like paying bills, recharge, paying to contact, managing your cards and a lot more on the go.

manage-progress
manage-progress
83% of Indians without a retirement plan lack an alternative source of income*

Enjoy your Retirement

Enjoy a worry-free life in your retirement years

Premium Banking Services

Make your banking hassle-free with exclusive privileges.

A rewarding banking experience awaits you. Enjoy premium offerings and a dedicated relationship management team.

manage-progress
Concierge Services

Live your golden years the way you desire.

Live your passion and enjoy your retirement with curated experiences offered by dedicated Concierge Services, which are just a call away.

manage-progress
Legacy Planning

Leave a legacy that will last beyond your lifetime.

Ensure the future well-being of your family with Will Management services. Also, with iLocker you can safeguard all your financial details and keep it handy at all times for your loved ones.

manage-progress
manage-progress
72% of the people surveyed felt they are not prepared enough for retirement*

*Source: PGIM India Mutual Fund Retirement Readiness Survey 2020.

Disclaimer: The content herein is only for information and does not amount to an offer, invitation or solicitation to buy or sell, and is not intended to create any rights or obligations. It is also not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or would subject ICICI Bank Limited (“ICICI Bank”) or its affiliate(s) to any licensing or registration requirements. Nothing contained herein is intended to constitute advice or opinion; please obtain professional advice before relying on any information contained herein. ICICI Bank disclaims any liability with respect to accuracy of information or any error or omission or any loss or damage incurred by anyone in reliance on the contents herein.