Retirement Planning: How a ₹10,000 Monthly SIP Can Grow to ₹1 Crore in 20 Years

How much money do you need for retirement in 20 to 30 years? With inflation affecting future expenses, starting early and investing consistently can make a significant difference. In this discussion with Sakshi Batra, Nasser Salim, MD, Flexi Capital, explains why investing 20–30% of income and increasing contributions with annual salary hikes can help build long-term wealth. He illustrates the power of compounding with a ₹10,000 monthly SIP over 20 years, potentially growing to around ₹1 crore at an assumed 12% annual return. Actual returns are not guaranteed, and retirement planning must account for inflation.