Retirement Benefits Consultation

The retirement landscape in India is undergoing rapid transformation. Statutory benefits like the Provident Fund continue to see frequent regulatory updates, and the upcoming labour codes are set to bring further changes.Alongside this, the National Pension System (NPS) is steadily gaining significance, reshaping the way organisations approach corporate pension structures across both defined contribution (DC) and defined benefit (DB) plans.

At TeamLease Regtech, we enable businesses to navigate these changes and stay ahead of the Latest updates. Our solutions help organisations adopt benefit practices that are market-aligned, fully compliant, and simple to implement and administer.

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Retirement Benefits Administration Framework

Set-up and wind-up of retirement trusts

Set-up and wind-up of retirement trusts

  • Creation of trusts with proper documentation and approvals
  • Smooth administration and governance during operation
  • Seamless closure and transition at wind-up
    • Liaison with regulators/authorities

    Liaison with regulators/authorities

  • Coordination with regulatory bodies for approvals
  • Ensuring timely compliance with regulations
  • Resolving queries and facilitating smooth interactions
    • Health check of retirement trusts

    Health check of retirement trusts

  • Independent review of governance and compliance
  • Examination of retirement benefits policy and operational processes.
  • Recommendations for efficiency and improvements
    • Trust vs. EPFO

    Trust vs. EPFO

  • Advisory on choosing between in-house trust and EPFO
  • Guidance for shifting to EPFO where required
  • End-to-end support for PF trust wind-up
    • Assurance studies and best practices

    Assurance studies and best practices

  • Evaluations to check compliance with laws
  • Benchmarking against industry standards
  • Recommendations to strengthen governance
    • NPS setup and implementation

    NPS setup and implementation

  • Advisory on scheme design and contributions
  • Assistance with registration and execution
  • Employee awareness sessions
    • Trustee and fiduciary training

    Trustee and fiduciary training

  • Training on roles, duties, and responsibilities
  • Guidance on governance and fiduciary practicescols
  • Insights into industry best practices
    • Analysis of corporate action impacts

    Analysis of corporate action impacts

  • Assessment of mergers, demergers, and reorganisations, Evaluation of impact on retirement benefits
  • Transition strategies to safeguard employee interests

    • What We Do

    • Trust Set-up and Documentation

      We support companies with the entire lifecycle of retirement trusts, including Provident Fund, gratuity, superannuation/pension.

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      • New trust deed documentation and setup
      • Updating trust documents and deeds of variation
      • Corporate action updates (mergers, demergers, amalgamations)
      • Wind-up/dissolution deeds
      • Filing and securing regulatory approvals
      • Selection support for gratuity/superannuation fund managers

    • Trust Governance Services

      Independent reviews and assurance studies to improve governance and compliance.

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      • Health checks across documentation, regulation, taxation, and administration
      • Operational review of internal processes
      • Mapping roles and responsibilities of all stakeholders
      • Optimising operations and administration
      • Benchmarking trust functioning to market best practices

    • Surrender of Exempt Provident Funds

      We assist organisations in evaluating and implementing the surrender of exempt PF trusts to EPFO.

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      • Multi-dimensional feasibility studies to assess continuation vs. surrender
      • End-to-end surrender implementation: regulatory liaison, project management, employee communication, milestone-based execution

    • National Pension System (NPS) Advisory

      We help employers adopt and implement the NPS to strengthen retirement savings for employees.

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      • Advisory on scheme design and contributions
      • Corporate NPS setup and implementation
      • Employee education and communication

    • Trustee Trainings

      We conduct regular training sessions for trustees of retirement funds, focusing on their fiduciary responsibilities, rights, and duties.

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      • Overview of the retirement benefits landscape in India
      • Key legislative changes and regulatory updates impacting retirement benefits
      • Market best practices in retirement benefit management
      • Fiduciary responsibilities, rights, and liabilities of trustees
      • Tax implications of retirement benefits
      • Investment principles and asset allocation guidelines

    What Sets Us Apart

    At TeamLease Regtech, we bring together deep expertise and decades of experience to deliver retirement benefit solutions that are compliant, efficient, and transparent. Our approach ensures operational efficiency, timely decision-making, and meaningful support for employers in providing retirement benefits that truly serve their employees.

    Our Key Differentiators

    Team

    A team with over two decades of experience in setting up and guiding 100+ retirement fund trusts across India.

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    Proven expertise in successfully completing 35+ PF Trust wind-ups and migrating 12 lakh employee records in the last 5–6 years, including complex trust closures.

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    Strong relationships across multiple levels of the EPFO, enabling effective engagement and escalation.

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    Recognised thought leadership, with our senior leadership presenting a whitepaper to the EPFO Central Office on simplifying PF Trust surrender procedures.

    Ensure your retirement benefit structures are future-ready with expert-driven compliance.

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