If you make a monthly SIP of ₹. 10k every month for 20 year with 12% annual return, it will becomes ₹. 1cr Now calculate return on ₹. 1cr @ 8% annually, it will be ₹. 8 lacs. So you will get 800000/12 = ₹. 65k monthly like a salary by investing your money in many low risk Investment as SWP (Systematic withdraw plan).