Corporate Compliance 27 October 2026
Indian Freelancers: Building Retirement Corpus Without EPF by 2026-27
Freelancers in India, who lack employer‑provided EPF or pension schemes, must create their own retirement savings. Experts suggest leveraging NPS, PPF, ELSS and high‑interest fixed deposits, comparing 2026‑27 rates to boost returns.
Freelancers in India lack EPF and pension, so they need self‑directed retirement plans. The Economic Times outlines practical routes for 2026‑27.
- National Pension System (NPS) – tax‑benefited, market‑linked.
- Public Provident Fund (PPF) – government‑backed, 15‑year lock‑in.
- Equity‑Linked Savings Scheme (ELSS) – potential higher returns, tax‑saving.
- High‑interest Fixed Deposits – compare rates from SBI, ICICI, HDFC for best yield.
For full details, see the Economic Times article.
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