Indian Annuities Promise Lifetime Income—But Illiquidity and Low Returns Demand Scrutiny

Life expectancy gains make longevity risk real, and IRDAI-regulated annuities do guarantee payouts—yet 5–7% returns, locked capital, and inflation erosion mean alternatives like NPS or SCSS may suit many retirees better.

bt-corporate · 7/6/2026, 6:19:36 AM · Ask about this →