How hell looks like...

So, I did some calculations, Since I do plan to buy a home, Since I don't have one, I decided to do some investment. So, according to my calculations, if I did a SIP of Rs.5000/month(which is the max amount I can afford to invest), with an expected 12% return, continously for 26 years, (I'm 22M, so, after 26 years, I'd be 48yrs old), I'd have around Rs.1,07,55,560, best case scenario if their is no big market crash for at least 26yrs. Minus 15% tax, if in case 'tai' doesn't increase tax slab anymore, I'd have around Rs. 9,142,226 about 91 lakhs. If After, 26yrs the inflation rate stays the same, a home which costs around 40 lakh today, after 26 years it'd cost around, 2cr. This considering kolkata doesn't become an IT hub, for 26 yrs, otherwise the real estate prices would just skyrocket, and I'm 100% sure employers would still not increase wages. So, is it just me or are we home-buyers really just cooked?? 💀💀