Monthly Payout from a Rs 50 Lakh Corpus over 20 Years
Find the fixed monthly payout that fully draws down a Rs 50 lakh retirement corpus over 20 years at a 6% expected annual return.
A ₹50,00,000 corpus, drawn down over 20 years at a 6% expected annual return, supports a fixed monthly payout of ₹35,822.
- Corpus
- ₹50,00,000
- Expected annual return
- 6% p.a.
- Payout duration
- 20 years
Monthly payout
6% p.a.₹35,
for 20 years
Corpus
₹50 Lakhs
₹50,00,000
Total payout
₹85.97 Lakhs
₹85,97,173
+₹35,97,173 interest earned
Inflation-adjusted payout
₹26.81 Lakhs
₹26,80,639
total payout in today's ₹, at 6% inflation| Year | Payout | Split | Interest earned | Remaining balance |
|---|---|---|---|---|
| 1 | ₹4,29,859 | ₹2,96,369 | ₹48,66,510 | |
| 2 | ₹4,29,859 | ₹2,88,135 | ₹47,24,787 | |
| 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.