Regular Income
Build with a SIP and a lump sum, then turn the corpus into a monthly income.
Monthly income
₹2.68L
The income runs for 20 years and leaves the corpus empty.
Total invested
₹70.00L
Corpus at withdrawal
₹3.46Cr
Total income
₹6.44Cr
Assumptions
Monthly SIP₹
Lumpsum today₹
Invest foryrs
Return while investing%
Wait before withdrawingyrs
Withdraw foryrs
Return while withdrawing%
Portfolio through both phasesPortfolio value
Year 40 · ₹0
01.0Cr2.0Cr3.0Cr4.0Cr
Y1Y7Y13Y19Y25Y31Y40
| Period | Portfolio |
|---|---|
| Year 1 | ₹14.40L |
| Year 4 | ₹31.19L |
| Year 7 | ₹55.10L |
| Year 10 | ₹89.14L |
| Year 13 | ₹1.38Cr |
| Year 16 | ₹2.07Cr |
| Year 19 | ₹3.05Cr |
| Year 22 | ₹3.29Cr |
| Year 25 | ₹2.99Cr |
| Year 28 | ₹2.61Cr |
| Year 31 | ₹2.15Cr |
| Year 34 | ₹1.57Cr |
| Year 37 | ₹86.94L |
| Year 40 | ₹0 |
The withdrawal-phase return is set separately because an income portfolio is usually held more conservatively than one still accumulating. Illustrations only — they assume a steady rate of return, which no market delivers. Actual returns will differ. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.