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₹4.62 crore vs ₹3.75 crore: How much retirement corpus is enough in India?

A ₹4.62 crore retirement corpus may be needed to generate ₹15 lakh a year at a 3.25% withdrawal rate, compared with ₹3.75 crore at 4%. Financial planner Niraj Dugar explains why India's inflation, healthcare costs and longer retirement horizons can make a lower withdrawal rate more prudent.

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