INCOME TAX6 Sept 2026
Retiring with ₹2 crore? Here’s how much you can withdraw every month | Mint
Retiring with ₹2 crore? What you can safely withdraw each month depends on your age, spending, investments and inflation. A 3-4% yearly withdrawal—roughly ₹50,000 to ₹66,667 a month at first—looks safer for India, where the famous 4% rule may be too aggressive. Keep short-term money liquid and invest the rest for growth.
Key Statutory Highlights
- A 3% annual withdrawal from a ₹2 crore corpus gives about ₹50,000 a month initially.
- A 4% withdrawal gives about ₹66,667 a month, while 5% gives around ₹83,333 a month.
- IIM Ahmedabad research suggests 3% to 3.5% may suit India better than the US-based 4% rule.
Actionable Advice for Taxpayers / Founders:Review your withdrawal rate and investment mix with a financial advisor, keeping near-term expenses in stable, liquid investments and the rest for long-term growth.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief has not passed every source check; confirm the original notification before acting. This does not constitute formal legal or CA counsel.
TaxQue News Desk
Share: