How to build a retirement corpus of Rs 2 crore?

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I am 28 years old. I have started investing in below mentioned mutual funds:
L&T Infrastructure Fund- Direct Plan (G) Rs 1,500 per month
Reliance Diversified Power Fund- Direct Plan (G) Rs 1,000 per month
ABSL Tax Relief 96- Direct Plan (G) Rs 1,000 per month
IDFC Tax Advantage Fund (ELSS)- Direct Plan (G) Rs 3000 quarterly

Kotak Select Focus Fund- Direct Plan (G) Rs 500 per month
SBI Blue Chip Fund (G) Rs 500 per month
SBI Small & Midcap Fund- Direct Plan (G) Rs 1,000 per month
L&T Emerging Businesses Fund- DP (G) Rs 1,000 per month
SBI FMCG Fund- Direct Plan (G) Rs 1,000 per month
ICICI Pru Banking and Financial Services- Direct Plan (G) Rs 1,000per month
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I need a corpus of Rs 2 crore when I turn 60. Also, I need to withdraw Rs 5 lakh after five years. Next, I need to withdraw around Rs 50 lakh after 10 years.
Kindly help to plan accordingly.
-- Tirthankar Bhattacharya

Shweta Jain, Founder & CEO, Investography, responds:

First of all, this is far too many schemes in a portfolio. I would also recommend that you avoid sectoral and thematic funds like FMCG and Infra- it is difficult to get their entry and exits at the right time and they are riskier in nature too. If you are looking at 32 years hence- Rs 2 Crore, you will need to invest Rs 4,500 monthly. For 50 lakhs after 10 years, you will need to invest Rs 22,000 per month and for Rs 5 lakh after five years, you need to invest Rs 6,000 per month. The portfolio could be of ABSL Tax Relief: Rs 4,000, L & T Emerging Businesses: Rs 3,500 and Kotak Select Focus: Rs 4,000.
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