₹20 crore and still not enough? Rethinking retirement planning

She illustrated this with a simple example: a 25-year-old investing ₹20,000 per month in a SIP, increasing it by 5% annually, can potentially accumulate over ₹16 crore across decades. “People think they need rich parents or invest enormous amounts to accumulate such a corpus. But that’s not true, what they really need is time.”