Jan 11, 2026
BY: Abhijit BasakA ₹3 crore retirement corpus is often considered adequate to maintain independence and dignity in later years, helping manage living costs, healthcare needs, and lifestyle expenses post-retirement.
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A corpus of this size can potentially generate ₹9–12 lakh annually, or about ₹75,000 to ₹1 lakh per month, depending on withdrawal strategy and market conditions.
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Starting investments early allows compounding to work over decades. Even modest monthly SIPs can grow significantly when given enough time in the market.
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Investing around ₹5,500 per month for 35 years at an assumed 12% annual return can help build a corpus close to ₹3 crore by age 60.
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Delaying investments until 35 increases the required SIP to nearly ₹18,000 per month for 25 years to reach a similar retirement target.
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Starting at 45 sharply raises the monthly SIP to around ₹63,000 for 15 years, making the goal achievable but financially demanding.
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Equity-oriented mutual funds are commonly used for long-term retirement goals due to their higher growth potential over extended investment horizons.
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Regular SIP contributions, staying invested during market volatility, and periodic reviews are critical to achieving long-term retirement goals.
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According to experts, factoring inflation into retirement planning is crucial. Periodic step-ups in investments and inflation-adjusted withdrawal strategies can help preserve purchasing power throughout retirement years.
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This content is for information only. Returns mentioned are illustrative and not guaranteed. Investors should consult qualified financial advisers before making any investment decisions.
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