About

Nivritti Nidhi (nivritti means retirement and nidhi means fund) is an independent information site for salaried employees, government staff, self-employed people and retirees in India who want to understand their own pension and retirement savings.

The guides explain how the Employees' Provident Fund and Employees' Pension Scheme work under the new EPF and EPS schemes of 2026, what the higher wage ceiling means, how the National Pension System's Tier I and Tier II accounts, charges and the December 2025 exit rules work, what the Unified Pension Scheme offers central government employees, and how Atal Pension Yojana, PPF, SCSS and annuities fit into a retirement income plan. Each rule comes with worked arithmetic and a short list of official sources.

We do not cover income tax calculations in depth, rank fund managers or insurers, sell products or collect personal data for advice. Fund returns are never presented as predictions; every return in an example is labelled as an assumption. Rates and rules are as we understand them in October 2026 and may change by government notification or regulator circular.

The site gives general information only, not financial, tax or legal advice. Confirm figures with EPFO, PFRDA, NPS Trust, the National Savings Institute or your employer before acting.

How this site is made

Nivritti Nidhi is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.