A person with ₹50,000 salary can build retirement fund of over ₹5 crore by investing ₹15,000/month through SIP for 31 years. At 12% annual return, the total invested amount of ₹55.80 lakh in 31 years would generate estimated return of ₹4.63 crore. If the investment amount is increased by 8% every year the corpus can be built in 26 years.