Beyond Investments, Towards Holistic Retirement Planning
The Multiple Scheme Framework (MSF) under the National Pension System (NPS) is not just about offering greater choice in how your retirement savings are invested.
It also enables Pension Fund Managers (PFMs) to enhance the retirement experience through value-added services that support subscribers beyond investments.
These services are designed to make retirement planning more relevant, engaging, and holistic, while keeping the long-term retirement objective at the core.
Value-added services under MSF are non-investment benefits offered alongside NPS schemes to support subscribers during their working years.
They do not replace the core pension product. Instead, they complement retirement planning by addressing everyday needs—such as wellness, engagement, and awareness—while subscribers stay invested for the long term.
Retirement planning is a long-term journey, often spanning 20–30 years. Value-added services help bridge the gap between:
HDFC Pension has introduced select value-added offerings to enhance the overall subscriber experience—while continuing to focus on disciplined, long-term retirement investing.
(Eligible with contribution > Rs 25,000 wthin FY 27)
The HDFC Pension × PharmEasy wellness offering is designed to support subscribers’ everyday health and preventive care needs, alongside their retirement journey.
The wellness benefit is not an insurance product and does not guarantee medical cover.
(Eligible with contribution > Rs 25,000 wthin FY 27)
Along with supporting your everyday wellbeing, HDFC Pension also helps you plan for the future of your wealth. Through this offer, eligible HDFC Pension MSF subscribers can now access a complimentary Will creation service, designed to help you clearly define how your assets are passed on to your loved ones.
As you build your financial assets over time, it becomes equally important to define how those assets are distributed.
This offer helps you to:
With this addition, HDFC Pension helps you in transitioning from:
Wealth Creation → Wellbeing Support → Wealth Transfer
MSF aims to modernise retirement planning by:
Value-added services strengthen this objective by ensuring that subscribers remain engaged with their retirement plan, even while addressing present-day needs.
To understand the PharmEasy wellness benefit in detail—including features, eligibility, usage process, and applicable terms—please refer to the brochure
To understand the Yellow Will offering in detail, including features and usage, please refer to the brochure below
