How much to invest to get a ₹1 lakh pension per month?  

To secure a monthly pension of ₹1 lakh post-retirement, the investment amount varies based on expected returns and the time frame until retirement. Assuming a moderate annual return of about 8%, you would need to accumulate roughly ₹1.5 crore by retirement. Here is a breakdown:

• Investment Horizon: If you begin investing at age 30 and plan to retire at 60, you have 30 years for your investment to grow.
• Monthly Contributions: To reach the target of ₹1.5 crore in 30 years, you would need to invest approximately ₹20,000 each month, assuming an average annual return of 8%.

This is a general estimate. The actual amount can vary based on interest rates, taxes, and the specific annuity plan. Investing early and consistently is crucial for building a substantial corpus that can support your desired pension amount. This approach not only enhances your retirement income but also provides financial security in later years.