Retirement Planning India 2026 — Aapko Sachchi Mein Kitna Corpus Chahiye?
Category: Financial Planning · Published 2026-02-28 · by Priyanka
30X Ka Rule
Ek simple starting point — retirement pe aapko apne saalana kharche ka 30 guna chahiye taaki 4% withdrawal se guzaara ho sake. Agar aaj ka kharcha ₹50,000/month hai:
- 30 saal baad @ 6% inflation → ₹2.87 lakh/month kharcha → ₹34.5 lakh/saal → Corpus ≈ ₹10.3 crore.
Wahaan Kaise Pahunchein
- NPS: employer 10% match + your voluntary 80CCD(1B) ₹50K.
- Equity SIP ₹15–30K/month (step-up 10%/yr).
- PPF for fixed-income cushion.
Apna exact number nikalne ke liye hamara retirement calculator use karo.
Aksar Poochhe Jaane Wale Sawaal
India mein kitna retirement corpus enough hai?
Rule of thumb: Retirement pe aapke expected saalana kharche ka 30×. Healthcare inflation ke liye 10-15% buffer add karo.
Kya retirement ke liye NPS kaafi hai?
Akela NPS middle-class city lifestyle ke liye bahut kam padta hai. NPS ko equity SIP aur PPF ke saath combine karo.
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