New Delhi, Dec. 31 -- The new retirement landscape of India is undergoing a significant transformation as households pivot from long-term wealth creation toward immediate financial survival.

According to the PGIM India Mutual Fund Retirement Readiness Survey 2025, there is a widening gap between retirement aspirations and actual preparation. While retirement has surged to become the top financial priority for Indian families, actual readiness has declined sharply, with only 37 per cent of respondents currently holding a retirement plan, down from 67 per cent in 2023.

The report notes "Retirement planning has surged to the No. 1 financial priority for Indian families--up from sixth place in the previous survey. However, readiness has sha...