Retirement corpus: ₹3.75 crore or ₹4.62 crore -- How much do you need for your golden years in India?

Retirement planning in India often starts with estimating how much money is needed to generate a steady income after leaving the workforce. While the 4% withdrawal rule suggests a ₹3.75 crore corpus for ₹15 lakh a year, a lower withdrawal rate of 3.25% would require ₹4.62 crore. The difference highlights why retirees need to consider inflation, the length of retirement and whether they have a pension or must rely entirely on their corpus.