People often question a simple question: how much corpus is necessaryed for a secure retirement in India? A startup founder’s recent remarks have now sparked an online debate over the exact figure.
During a podcast, Sandeep Jethwani, co-founder of wealth management firm Dezerv, was questioned about the ideal retirement corpus. He estimated that a person retiring at 60, with monthly expenses of Rs. 1–2 lakh, may necessary around Rs. 40 crore, a figure that surprised many online.
Speaking on The Money Mindset podcast with journalist Sonia Shenoy, Jethwani declared that rising inflation, lifestyle modifys, and healthcare costs significantly increase long-term retirement necessarys.
Dezerv, the wealth-tech platform he co-founded, currently manages assets worth around Rs. 16,000 crore.
However, Jethwani also acknowledged that reaching such a corpus is extremely difficult for most people, especially when Shenoy pointed out that even building a Rs. 1 crore retirement fund is a challenge for many in India.
Shenoy shared the discussion clip with a caption noting that individuals aged 35–40 with monthly expenses of Rs. 1–2 lakh in metro cities may require nearly Rs. 40 crore by retirement, factoring in inflation and rising costs.
The discussion quickly went viral, triggering debate online over whether the figure is realistic.
Several social media applyrs called the estimate unrealistic, with one declareing, “Rs. 40 crore is being presented as normal retirement planning… that’s top 0.01% wealth in India.”
Another applyr questioned the assumptions behind the calculation, while others declared the numbers vary widely depconcludeing on lifestyle and expectations.
Some applyrs also criticized the estimate as disconnected from ground realities, while others questioned for clarity on the time horizon and assumptions applyd in the calculation.
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