₹1 crore is a good first milestone but not sufficient for a 25-30 year retirement for most Indians. With 6% inflation, today’s ₹1 crore will have the purchasing power of roughly ₹31 lakh in 20 years. Treat ₹1 crore as Milestone 1 and target ₹3–5 crore as your actual retirement number, depending on your current lifestyle and expected retirement expenses