Authors: Vitthal Daulat Sargar, Riddhi Videsh Surve, Dr. Prashant Kalwade, Professor Abhijeet Bharati
Abstract: This study examines the level of awareness regarding retirement planning among salaried individuals in Pune city. With increasing financial responsibilities, inflation, and changing socio-economic conditions, retirement planning has become essential for long-term financial security. The research focuses on awareness of key retirement instruments such as Employee Provident Fund (EPF), Public Provident Fund (PPF), National Pension System (NPS), and insurance policies. A quantitative research approach was adopted, and data was collected from 150 respondents using a structured questionnaire. The findings indicate that while a majority of respondents are generally aware of retirement planning options, a significant portion lacks in-depth knowledge and clarity. The study highlights the need for improved financial literacy and structured guidance to encourage effective retirement planning among salaried individuals.
