What is the safe withdrawal rate for Indian retirees?

The US 4% rule assumes 30-year retirement with mostly US equity + bonds. India's higher inflation (6% vs 2%) suggests a safer rate of 3-3.5% annually for Indian retirees using conservative portfolios. For equity-heavy retirees (60%+ equity) who can tolerate volatility, 4-5% may be sustainable. Monte Carlo simulation on your specific corpus gives a more accurate number.