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Case Study·Delhi NCR··5 min read

Delhi NCR Couple: Two Retirement Numbers, One Clear Plan

When your retirement goal says ₹5Cr but Plynt's recommendation says ₹8Cr, confusion kills action. How the Khans unified their retirement plan.

Family profile

Household

The Khan Household

Imran (35, finance) + Aisha (33, consultant)

Location & income

Delhi NCR

₹4.2 lakh/month take-home

Starting situation

₹5Cr retirement goal, ₹5L EPF counted twice, old vs new tax regime unclear

Illustrative composite based on common patterns among Plynt users. Names and details are fictional.

Safety Score journey

Started at

61

Timeline

6 weeks

At Risk → Safe

Reached

74

Biggest pillar shifts

Retirement38→62+24
Growth55→71+16
Protection70→76+6

Imran had a ₹5Cr retirement goal in a spreadsheet. Plynt's expense-based recommendation showed ₹8.2Cr at retirement age. "Which number do I trust?" was the first question he asked the AI Coach — and the first thing Plynt's unified model addresses.

Two numbers, two purposes

  • Your target — the corpus you're planning toward (readiness tracked against this)
  • System recommendation — expense-based estimate of what you'll actually need
  • Gap and SIP calculations use your target; the recommendation helps you sanity-check

Fixes that compounded

  1. Removed duplicate EPF entry from retirement goal savings — corpus overlap warning cleared
  2. Entered actual 80C and 80D deductions — old regime became clearly better
  3. Added Aisha's consulting income to household plan — combined tax and surplus view improved
  4. Increased retirement SIP from ₹5K to ₹28K based on gap to user target
Imran: "Seeing 'Your target' vs 'System recommendation' on the same screen stopped the arguments with my spreadsheet."

Outcome

Retirement readiness rose from 38% to 62% in six weeks — not because they hit the corpus, but because SIP, overlap, and household data were finally correct. Tax page showed ₹1.8L/year savings under old regime with their actual deductions entered.

This case study is an illustrative composite for educational purposes. It does not represent a specific user or guarantee similar results. Plynt does not sell financial products. Outcomes depend on your household's inputs and actions.

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