@dinafrancis Let's do some calculations.
At 2L/year which is 16,666 per month.
If you start a monthly SIP of this in a liquid fund for the next 12 years. Assuming the average CAGR of 6.4%.
After 12 years of SIP total value will be ₹36,16,092
After wait of 5 more years in the same liquid fund this will become ₹49,31,143
Now if you start an SWP of ₹22,000 per month (₹2,64,000 per year) while the remaining will keep on growing at the same rate of 6.4%.
Even after 30 years of withdrawal of ₹22,000 per month your remaining corpus will become ₹86,59,213
Now this calculation is using a debt instrument (liquid fund). Since your holding period is 17 years and if you start an SIP on let's say Nifty 50 index fund, then your overall returns will be way higher.