Individual
Did You Know?The IRIS Index has become a yardstick to measure India’s retirement preparedness across the complete paradigm of retirement ecosystem. The Retirement Index is the degree to which Indians feel prepared for tomorrow’s retired life on a scale of 0 to 100. There are three key indices of IRIS –– financial, health and emotional.
The ₹1 Crore Retirement Illusion
77% of urban Indians believe ₹1 Crore or less is enough for a peaceful retirement— a gross underestimation that severely ignores decades of inflationary pressure.
Dreaming Healthy, Living Sedentary?
An overwhelming 79% of urban Indians visualize a healthy retirement, yet 60% acknowledge a serious gap by admitting they currently live a sedentary lifestyle.
Retirement: A Socially-Driven Goal?
73% of urban Indians require a social nudge— specifically recommendations from friends and family—to finally begin their retirement savings journey
IRIS Survey Details
IRIS, one of India’s leading retirement-focused surveys now enters its 5th edition
Sample Size2242 households
Cities28 cities
Field-work durationJul’25-Aug’25
Respondent Profile25-65, SEC A/B, working individuals
MethodologySelf-Administered Digital Study
What Do These Terms Mean?
Key Findings of IRIS 5.0
Retirement is overwhelmingly viewed as a positive phase with nearly half (46%) expecting more family time, and 43% anticipating greater independence.
Despite half of the population (51%) stating that retirement should be the first financial goal, a full 24% are guilty of severe inertia, having made zero progress toward saving.
65% respondents view Life Insurance as a suitable and key product for effective retirement planning.
75% of people consider annuity and regular income savings as suitable products for retirement planning.
A sobering 50% of urban Indians believe that they will be reliant on family wealth or their children to fund their retirement.
The psychological burden of retirement is massive with around 70% of urban Indians under 50 fear being alone in their retired years.
44% Of Gig Workers invest in health insurance which is 6% lower than the national average
39% of women are confident that their retirement kitty will last more than a decade.
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