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.
Retirement, On Your Own Terms
7 in 10 Urban Indians fear becoming financially dependent on their family or children after retirement, emphasising the desire for financial independence in later years.
Planning Early, Retiring Better: The Before-35 Approach
Urban Indians continue to believe that retirement planning should begin before the age of 35, highlighting growing awareness about the importance of early financial preparedness.
Urban Indians Look Forward to a Fit and Active Retirement
3 in 4 Urban Indians believe they will remain fit and healthy during retirement, reflecting optimism about maintaining an active post-retirement lifestyle.
IRIS Survey Details
IRIS, one of India’s leading retirement-focused surveys now enters its 6th edition
Sample Size4134 households
Cities40 cities
Field-work durationJul’26 - Aug’26
Respondent Profile25-65, SEC A/B, working individuals
MethodologySelf-Administered Digital Study
What Do These Terms Mean?
Key Findings of IRIS 6.0
50% of Urban Indians believe retirement planning should be the very first financial goal when they start earning, reflecting a strong shift toward long-term financial security.
Only 61% of respondents know the corpus required to sustain their current lifestyle after retirement, indicating a need for greater financial education.
Only 29% of Urban Indians are confident that their retirement corpus will last beyond 10 years, underscoring concerns around retirement adequacy and longevity risk.
91% of respondents aged 46 and above regret not starting retirement investments earlier, reinforcing the value of beginning retirement planning at a younger age.
74% of Urban Indians worry about loneliness during retirement, bringing emotional well-being into focus.
81% of Urban Indians worried that factors such as pollution and climate change could impact their quality-of-life post-retirement.
Ownership of annuity pension products among Urban Indians has witnessed a significant rise, increasing from 6% in IRIS 5.0 to 10% in IRIS 6.0
44% of Urban Indians engage in physical activity 5-6 times a week.
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