Retire Comfortably: Is Your ₹3 Cr Corpus Enough?

Most urban Indians grossly underestimate their retirement savings target. Beyond a lump sum corpus, you need a plan for healthcare costs, housing, and monthly income that keeps pace with inflation for 25-30 years.

Here's what happened: Urban Indian retirement estimates now range from ₹3 crore to ₹10 crore depending on lifestyle, city, and healthcare needs.. Healthcare inflation in India runs at 10-14% per year — far outpacing general inflation — making medical costs the biggest retirement risk.. Most salaried Indians rely on EPF and PPF alone, which typically build only ₹50–80 lakh by retirement — far short of what's needed..

What you should do: Calculate your monthly retirement expense target using the 70% rule: assume you'll need 70% of your current monthly income adjusted for 6% inflation over 25 years.. Buy a senior citizen health insurance policy or top-up plan before age 55 — premiums spike sharply after 60 and pre-existing conditions may get excluded.. Start or increase your SIP in equity mutual funds immediately — even ₹10,000/month at age 30 in an index fund can grow to over ₹3.5 crore by age 60 at 12% CAGR..

Use the 25x rule: multiply your expected annual retirement expenses by 25 to get your minimum corpus target. At ₹1.2L/month spending, that's ₹3.6 crore — and that's before healthcare inflation.