Is a ₹2 crore corpus enough to retire at 48?
A ₹2 crore corpus from age 48 to 85 (37 years) at 9% return supports a withdrawal of about ₹1,55,641 per month, or ₹18,77,407 per year — a long 37-year horizon, since early retirement means the corpus needs to last far longer.
How this is calculated
This is the mathematical reverse of a loan EMI: instead of paying down a debt at a fixed rate, you are drawing down a corpus that keeps earning interest between withdrawals, sized so it reaches exactly ₹0 by your target age. The monthly and annual figures are calculated as two separate withdrawal schedules — they will not simply relate by ×12, since each is independently sized to fully deplete the same corpus on its own schedule.
Important: this is a level, non-inflation-adjusted withdrawal
The withdrawal amount shown stays flat in rupee terms for the whole period — it does not increase with inflation, so its real purchasing power will fall over time. It also assumes a constant annual return, which real investments will not deliver in a straight line year to year. Treat this as a starting-point estimate, not a guarantee.
What does "corpus" mean?
Corpus just means the total pot of savings you’re drawing an income from — a term used often in Indian retirement planning, but it simply means "your savings."