A 25-year-old should start investing ₹100 per day or ₹3,000 per month into mutual funds through SIP to generate over ₹5-crore retirement corpus, Financial Express reported. This is based on the assumption that contribution towards SIP is increased by 10% each year. At 12% expected annual return rate, the person will have ₹5.33 crore corpus by the age of 60.