Outlook Money
It will be hard to repay debts, if any, if you retire soon.
You will need adequate funds for old-age expenses to retire on time.
If you are passionate about your job, you may delay retirement.
You may delay retirement to leave a substantial inheritance for your heirs.
Maximize your EPS benefits by delaying retirement.
You may delay retirement to retain access to employee health benefits.
Early retirement would mean fewer chances to interact with your colleagues.