Investing ₹10 lakh in a post office fixed deposit (FD) and contributing ₹10,000 monthly to a recurring deposit (RD) can potentially yield a corpus close to ₹1 crore in 20 years. Based on current India Post Office rates of 7.5% for FDs and 6.7% for RDs, the approximate maturity values would be ₹21,02,300 for the FD and ₹17,08,500 for the RD, totaling about ₹38.1 lakh after a decade. Over 19-20 years, with reinvestment, the total corpus could grow to approximately ₹99.1 lakh. However, investors must consider inflation's impact on purchasing power, as the real value of ₹1 crore will differ significantly in the future. Therefore, while this investment strategy is sound, diversifying into riskier assets like mutual funds and equities may be beneficial for higher returns. Engaging with a certified financial advisor is crucial to navigate these investment decisions effectively.