Tell us two numbers. See the next forty years — the corpus you need, the SIP that gets you there, and the wealth you still leave behind.
Your expenses never stand still. At 7% inflation, the same life costs more every single year.
Withdraw only what you need and your wealth stops growing. Target twice the requirement — spend one half, let the other half keep compounding.
The corpus large enough to pay that withdrawal out of returns alone at 12% — without ever touching the capital.
Your existing lump sum compounds on its own at 12%. The SIP only has to fill whatever gap is left.
Years of building it, then 20 years of drawing ₹7.74 L a month to start with — spending one half, reinvesting the other, and raising both every year for inflation.