New Delhi, Dec. 28 -- Traditional family safety in India is fraying. Children are increasingly settling far from home, and a growing number of urban couples are choosing to have fewer or no children.

While India still enjoys a demographic dividend, another reality is unfolding: longer lifespans, smaller households, and fewer adult children to rely on in old age. For many, the assumption that family will step in financially during retirement no longer holds.

This shift has forced a rethink of retirement planning. It has to be intentional and far more structured than it was for previous generations.

Against this backdrop, 2025 saw some landmark reforms in the retirement space that brought the spotlight on retirement savings and how they ...