Build then draw
Build with a lumpsum and SIP, then draw a monthly income.
Corpus at the end of building
₹1,30,42,206
after 15 years
Rising income lasts
10.4 years
withdrawals rising 6% a year
You invest
₹37,00,000
lumpsum plus every SIP instalment
Or never touch the corpus
₹86,372/mo
the most it can pay forever at 8%
What inflation does to this
Ignoring inflation understates what this income needs. ₹50,000 a month grows to ₹1,19,828 by the time drawing starts, and funding a rising income for 25 years takes ₹2,71,17,141. That is 4.2 times the ₹65,21,414 a flat income would need. If you withdraw only ₹86,372 a month, the corpus is never touched, but like any fixed withdrawal, its buying power falls every year.