Strategic insights on India’s evolving Retirement Benefits landscape

Actuarial assumptions

We take a closer look at the core assumptions driving employee benefit valuations — including movements in bond yields, salary growth trajectories, and attrition patterns. Grounded in current economic indicators and demographic shifts, these insights help decode liability fluctuations and their implications for your financial reporting.

Retirement benefit funding

As organisations navigate economic headwinds, interest rate volatility, and rising life expectancy, retirement liabilities such as gratuity and pensions are increasingly underfunded and overlooked. Recent regulatory mandates — such as compulsory gratuity funding in Karnataka — signal a shift toward greater accountability and proactive financial planning.

Retirement Benefits study

Drawing from WTW’s 2024 State of Retirement Benefits survey of 138 employers across diverse sectors, we present a comprehensive view of how organisations are managing gratuity, provident funds, corporate NPS, and preparing for anticipated labour code reforms. The findings offer actionable insights into evolving employer strategies and priorities.

Regulatory updates

Stay informed on the latest legislative and policy changes impacting retirement benefits in India. This section highlights key updates, including new mandates, budget announcements, and compliance requirements for employers.