A 30-year-old person with a monthly expense of ₹50,000 now needs to invest at least ₹53,000/month in NPS' Balanced Life Cycle Fund scheme to have the same lifestyle after retiring at 60. This is because the value of ₹50,000 would become ₹2.16 lakh after 30 years at a 5% inflation. For this, the expected return on investment is 10%.