India, Jan. 30 -- In December 2025, PGIM India Mutual Fund released the Retirement Research Report 2025 - Third Edition. According to the report, only 37% of Indians have a retirement plan. For retirement planning, many people have a "not now, maybe later" mindset. However, the cost of delaying retirement planning can be very high. In this article, we will understand how delaying retirement planning can affect the corpus an individual will accumulate and its impact.

Before we get to the cost of delaying retirement planning, let us look at some of the findings of the Retirement Research Report 2025. According to the report, in 2025, 'Planning for Retirement' is the number one priority for Indian households. The priority has jumped up from...