SIP ₹30,000 per month – 20 Years Investment, 30 Years Withdrawal: Portfolio Me Kitna Bachega?
Agar aap ₹30,000 per month SIP 20 saal tak lagate ho, to aapka corpus approx ₹2.67 Crore ho sakta hai. Agar aap fir us corpus se ₹1,00,000 per month (₹12 Lakh yearly) 30 saal tak withdraw karte ho, to portfolio me kitna bachega – is article me simple, realistic aur accurate calculation ke saath explain kiya gaya hai.
Quick Summary
Starting corpus: ₹2.67 Crore
Annual withdrawal: ₹12,00,000 (₹1 lakh/month for 30 years)
Final corpus baaki kitna rahega (return ke hisaab se):
| Annual Return | Corpus After 30 Years |
|---|---|
| 8% Return | ₹13.27 Crore approx |
| 10% Return | ₹26.85 Crore approx |
| 12% Return | ₹51.15 Crore approx |
Kaise Calculate Kiya?
20 years SIP ₹30,000/month ⇒ expected corpus ≈ ₹2.67 Crore (12% return).
Withdrawal phase 30 years, annual withdrawal ₹12 lakh.
Formula: Remaining = C*(1+r)^n – W*(( (1+r)^n –1 )/r)
8% Return Case (Full Calculation)
(1.08)^30 = 10.0627
Term1 = 26,700,000 × 10.0627 = ₹268,674,090
Term2 = 1,200,000 × 113.28375 = ₹135,940,500
Remaining = 268,674,090 – 135,940,500 = ₹132,733,590 ≈ ₹13.27 Crore
Portfolio Suggestion (30 Years Withdrawal)
- 50% Equity – Nifty Index, Flexi-cap, Large-cap
- 30% Debt – Corporate Bond Funds, Govt Bonds
- 20% Hybrid/International – Balanced Advantage, Global Index Funds
Withdrawal Simulator
Niche calculator me aap khud values change karke result dekh sakte ho.
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