ClearMF Research · Retirement Analytics
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India Retirement Readiness Report 2026
Most urban investors aged 30–45 underestimate inflation-adjusted corpus needs by 40–60% when targeting retirement at 60 with ₹50k–₹1L monthly lifestyle today.
Key Takeaways
- •6.5% inflation dramatically increases corpus targets.
- •SIP step-up materially improves readiness scores.
- •Overlap-heavy equity portfolios add concentration risk near retirement.
FAQ
Is ₹1 crore enough to retire?
For many urban retirees with ₹50k+ monthly expenses, ₹1 crore is often insufficient for 25–30 years.