Terms of Use

Last updated: June 2026

By accessing and using Retirement Gap India, you agree to the following terms. If you do not agree, please do not use this website.

1. Nature of Content

All content and tools on this site are for general informational and educational purposes only. Nothing on this site constitutes financial, pension, tax or legal advice. Retirement Gap India is an independent informational publication — not affiliated with EPFO, PFRDA, Ministry of Labour, NPS Trust or any Government of India body.

2. The Retirement Gap Calculator

The retirement gap calculator uses standard EPS-95 and NPS formulas to produce illustrative estimates. Results:

• Are estimates only — not accurate projections of your actual pension
• Do not account for your individual circumstances, tax situation or financial position
• Should not be used as the basis for retirement decisions
• Must be verified at epfindia.gov.in, npscra.nsdl.co.in and EPFO helpdesk 1800-118-005

3. Permitted Use

• Access and use tools and content for personal, non-commercial purposes
• Share links to pages on this website
• Not permitted: reproduce or distribute content without permission

4. Limitation of Liability

We are not liable for any financial decisions made based on estimates from our calculator or any content on this site.

5. Changes to Terms

We may update these terms at any time. Continued use of the site constitutes acceptance of any changes.

6. Contact

[email protected]