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Retirement Planning

How Much SIP Do You Need for Retirement in India?

Short answer

The SIP you need depends on your retirement corpus gap, years to retirement, expected return, and annual step-up. Starting in your 30s at ₹50,000/month expenses often requires ₹15,000–₹25,000/month SIP with 10% step-up — but varies widely.

Systematic Investment Plans (SIPs) are the primary accumulation tool for many Indian retirement plans alongside EPF, PPF, and NPS.

Compare your current SIP against the 'extra SIP to close gap' output in the ClearMF calculator.

  • ✓SIP step-up materially reduces the base monthly amount needed.
  • ✓Starting earlier lowers required SIP due to compounding.
  • ✓Gap analysis shows extra SIP needed if current savings fall short.
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