Steps for a 30-year-old to reach a ₹5 crore retirement goal via SIP

To accumulate a retirement fund of ₹5 crore, a 30-year-old needs to commit to a monthly SIP of approximately ₹14,500, provided they earn a 12% annual return over three decades. Based on mutual fund calculator estimates, this strategy involves a total personal investment of about ₹52.20 lakh, which has the potential to expand into a final corpus of roughly ₹5.12 crore.