Flagship programme for mutual fund distributors, their employees and financial professionals
Beyond Wealth. Beyond Retirement.
Master Retirement Planning. Unlock the NPS Ecosystem. Build a New Business Vertical.
₹4,969
Discounted price · including GST
A 10-hour, practitioner-led programme designed to help India's financial distributors become retirement solutions specialists, expand their businesses and participate meaningfully in India's evolving pension ecosystem.
Standard programme fee
₹25,000 + GST
₹4,969
Discounted price · including GST
Special MFD & employee fee
₹4,995 + GST
80% concession · Eligibility verification required
Today
A distributor primarily servicing clients through mutual funds and other existing products.
After the programme
A retirement-focused professional equipped to identify pension gaps, formulate retirement plans, assess NPS solutions, and pursue appropriate regulated advisory or distribution authorisation.
Every MFD already has potential retirement planning clients. Many have never examined their retirement needs properly.
A 35-year-old SIP investor needs a retirement accumulation strategy. A 52-year-old executive needs a retirement readiness assessment. A 63-year-old retiree needs a sustainable monthly income. A professional with young children may benefit from understanding NPS Vatsalya. And a small business with 75 employees may present an opportunity for a structured workplace retirement programme.
The new opportunity
Launched on October 1, 2026, NPS Central brings together services across three Central Recordkeeping Agencies, with consolidated account access, digital onboarding and investment information.
What advisors gain: An opportunity to guide clients through a less fragmented digital pension journey, while delivering expertise that goes beyond account opening.
PFRDA's updated framework allows parents and guardians to build long-term pension savings for minors, with a minimum contribution of ₹250 and prescribed withdrawal and transition provisions.
What advisors gain: A meaningful opportunity to introduce intergenerational financial planning to existing family relationships.
PFRDA introduced a Retirement Income Schemes and drawdown framework in May 2026.
What advisors gain: A new area of specialist expertise in post-retirement cash-flow planning, withdrawal design and product comparison.
NPS Trust launched its Bharat Fund of Funds platform on July 13, 2026, to facilitate regulated pension-fund exposure to selected alternative investment funds.
What advisors gain: Greater understanding of institutional pension portfolio construction, alternative assets, due diligence and diversification. It is an institutional mechanism, not a retail product an MFD can independently distribute.
The 10-session architecture
Phase I · Become the Expert
01
How many of your existing clients are much less prepared for retirement than they believe?
Live exercise: Audit five hypothetical MFD clients and rank them by urgency of retirement intervention.
Tools: PGP Retirement Diagnostic and 20-question Client Discovery Scorecard.
02
Can you mathematically defend a client's retirement plan under unfavourable market and longevity scenarios?
Live exercise: Build a retirement cash-flow model for a 48-year-old planning to retire at 58.
Tools: PGP Retirement Calculator with funding-gap, longevity and withdrawal stress tests.
03
What changes when the client's priority shifts from building a corpus to living off it?
Live exercise: Construct a ₹3 crore retirement portfolio that needs to fund increasing living expenses and survive an early equity-market fall.
Tools: Retirement Investment Policy Statement, risk audit and product suitability comparison.
Phase II · Master the NPS Ecosystem
04
Why should a financial distributor understand the new NPS ecosystem even when their client already invests in mutual funds?
Live exercise: Compare NPS and mutual fund accumulation strategies for three distinct client profiles.
Tools: NPS Suitability Matrix, NPS Central Service Navigation Guide and NPS-versus-MF Comparison Framework.
05
Why should retirement planning start at 45 when an entire family's financial future can be addressed much earlier?
Live exercise: Create a pension accumulation illustration for a five-year-old, including contribution interruption and different return assumptions.
Tools: NPS Vatsalya Family Conversation Kit, contribution simulator and guardian FAQ.
06
What is changing in the way India's pension ecosystem can generate retirement income and allocate long-term capital?
Live exercise: Design a household retirement paycheck using annuity income, RIS-style drawdowns, fixed-income cash flows and mutual fund withdrawals.
Tools: Retirement Paycheck Designer, RIS-versus-Annuity Comparison and NPS Alternative Investments Explainer.
Phase III · Build the Business
07
How can a mutual fund distributor participate in NPS-related business without disrupting their existing practice or violating regulatory boundaries?
Live exercise: Develop three commercial models and identify the authorisations, costs, constraints and client suitability requirements for each.
Tools: PGP NPS Business Model Calculator, Authorisation Pathway Map and Conflict-of-Interest Checklist.
08
How many retirement planning conversations exist within an ordinary MFD's existing book of business?
Live exercise: Design a 30-day contact plan for 100 anonymised clients, classifying them by service need and suitability.
Tools: 100-Client Retirement Opportunity Matrix, meeting scripts and six client-segment planning frameworks.
09
What exactly should an MFD do on Monday morning after completing this programme?
Live exercise: Convert knowledge into a workable 90-day implementation plan.
Tools: Professional positioning, service menu, CRM workflow and compliance checklist.
Phase IV · Prove Your Capability
10
The Retirement Business War Room.
Live exercise: A case-based assessment bringing together planning, NPS and business-building skills.
Tools: Case-based assessment and programme completion certificate.
NPS distribution
Eligible pension account acquisition and permitted servicing income
Key condition: Authorised PoP/Pension Agent arrangement
Corporate NPS
Employer relationships and employee pension programmes
Key condition: Applicable intermediary permissions and commercial terms
NPS Vatsalya
Family pension account relationships
Key condition: Permitted onboarding/servicing channel
Retirement planning services
Fees for genuinely valuable planning and ongoing advice
Key condition: Appropriate regulatory authority and permitted fee structure
Mutual fund retirement solutions
Existing MF commissions on suitable transactions
Key condition: Valid ARN/EUIN and AMFI requirements
Retirement income and protection products
Annuities, insurance and other applicable products
Key condition: Product-specific authorisation, suitability and disclosures
For eligible professionals pursuing the regulated retirement advisory route.
For eligible individuals or entities seeking to undertake permitted pension distribution activities through an authorised Point of Presence.
This programme should not target only proprietors. Relationship managers, sales executives, servicing personnel and junior advisors can become important contributors to the retirement vertical. For a firm with five employees, the discounted fee makes it commercially practical to develop common retirement planning capabilities across the team.
₹25,000 + GST
₹4,969
Discounted price · including GST
Special MFD & employee fee ₹4,995 + GST
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