The math behind Rs 40 crore retirement corpus isn't incorrect, its relevance is limited. According to Sharad Chand, Business Head-Wealth Management, Alankit Limited, This figure typically assumes current monthly expenses of Rs 1-2 lakh in metro cities, compounded over 25-30 years at 6-7 per cent inflation. It also factors in longer life expectancy (up to 85-90 years), rising healthcare costs, and lifestyle choices like travel and leisure. In that context, Rs 40 crore can emerge as a logical outcome. However, the issue is not accuracy-it's applicability. For a large majority of Indians, this number is far removed from ground realities. So while it makes for a strong headline, calling it a benchmark would be misleading.