If a person invests ₹10,000 monthly through SIP for 20 years at 12% annual return, corpus grows to about ₹1 crore. This ₹1 crore can then be invested in balanced fund at 8% using Systematic Withdrawal Plan to withdraw ₹65,000 monthly for 20 years. Even after withdrawing ₹1.56 crore, nearly ₹1.07 crore would still remain, as per Financial Express report.