To build a retirement corpus of ₹3 crore by age 60, a person aged 25 should invest ₹5,500 in a monthly SIP at an expected rate of return of 12%, NDTV Profit reported. For people aged 35 and 45, the monthly SIP should be ₹18,000 and ₹63,000, respectively, to make a ₹3 crore by retirement at the same rate.