An Analysis of Retirement Planning Awareness Among Young Working Professionals in Amravati.

Abstract This study focuses on how young professionals in Amravati City approach retirement planning. In today's world, factors like rising healthcare costs, longer life expectancy, and the shift toward nuclear families make it essential for individuals to manage their own financial future. However, many young earners still prioritize short-term spending over long-term security. The main goal of this research is to evaluate the level of awareness regarding various retirement schemes like NPS, PPF, and Mutual Funds among those aged 22 to 35. For this study, data was collected from 50 respondents through a structured questionnaire to analyze their investment habits and financial literacy. The findings show that while many professionals are aware of the need to save, there is a clear gap between knowing and actually investing. Most respondents prefer traditional safety over modern high-return tools, and many delay planning due to a lack of proper guidance. This paper highlights the urgent need for better financial education in Tier-II cities like Amravati. It concludes that starting early is the only way for the Keywords: Retirement Planning, Young Professionals, Amravati, Financial Awareness, Investment Habits, Savings, NPS.