Retirement Planning India 2026 — Aapko Sachchi Mein Kitna Corpus Chahiye?
Category: Financial Planning · Published 2026-02-28 · by Priyanka
30X Ka Rule
A simple starting point — you need 30 times your annual expense at retirement to live off 4% withdrawal. For ₹50,000/month current expense:
- 30 years later @ 6% inflation → ₹2.87 lakh/month expense → ₹34.5 lakh/year → 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.
Use our retirement calculator for your exact number.
Aksar Poochhe Jaane Wale Sawaal
India mein kitna retirement corpus enough hai?
Rule of thumb: 30× your expected annual expense at retirement. Add 10–15% buffer for healthcare inflation.
Kya retirement ke liye NPS kaafi hai?
NPS alone is rarely enough for a middle-class city lifestyle. Combine NPS with equity SIP and PPF.
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