Monthly Payout from a Rs 20 Lakh Corpus over 15 Years
Find the fixed monthly payout that fully draws down a smaller Rs 20 lakh retirement corpus over 15 years at a 6% expected annual return.
A ₹20,00,000 corpus, drawn down over 15 years at a 6% expected annual return, supports a fixed monthly payout of ₹16,877.
- Corpus
- ₹20,00,000
- Expected annual return
- 6% p.a.
- Payout duration
- 15 years
Monthly payout
6% p.a.₹16,
for 15 years
Corpus
₹20 Lakhs
₹20,00,000
Total payout
₹30.38 Lakhs
₹30,37,885
+₹10,37,885 interest earned
Inflation-adjusted payout
₹12.68 Lakhs
₹12,67,603
total payout in today's ₹, at 6% inflation| Year | Payout | Split | Interest earned | Remaining balance |
|---|---|---|---|---|
| 1 | ₹2,02,526 | ₹1,17,692 | ₹19,15,167 | |
| 2 | ₹2,02,526 | ₹1,12,460 | ₹18,25,101 | |
| 3 |
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Assumes a constant 6% annual return and a level nominal monthly payout with no inflation adjustment. This is a fixed-term drawdown, not a life-contingent insurance annuity product.