A 25-year-old person needs to invest ₹19,000 in a monthly SIP with a 12% rate of return to build a ₹10 crore retirement corpus by age 60, however, a 35-year-old would need to invest ₹59,000 monthly, NDTV Profit reported. Moreover, a 35-year-old person can begin their monthly investment at ₹26,000 with an annual step-up of 10% for the same target.