How Much SIP Do You Need for ₹1 Crore? (10, 15, 20 and 25 Years)

₹1 crore is the number almost every investor has in their head. It is round, it sounds like "enough", and it is very reachable if you give it time.

Here is exactly what it takes, with the maths done for you.

The monthly SIP for ₹1 crore

Look down the 12% column. Going from 10 years to 20 years doesn't halve the monthly amount, it cuts it by more than four times. That is compounding: the money you invest early has longer to grow, and the growth itself starts growing.

Start smaller with a step-up SIP

Most people can't start at ₹19,800 a month. But your salary or business income usually rises every year, so your SIP can too.

With a step-up of 10% a year (₹10,000 becomes ₹11,000 next year, ₹12,100 the year after, and so on), at 12%:

• ₹1 crore in 20 years: start at about ₹5,000 a month
• ₹1 crore in 15 years: start at about ₹11,500 a month

Most fund houses let you set the step-up once, when the SIP is registered, so it happens automatically.

The cost of waiting five years

₹10,000 a month at 12%:

• invested for 20 years grows to about ₹99.9 lakh
• invested for 15 years grows to about ₹50.5 lakh

Five years of delay costs roughly half the final amount. You can see this on the home page of this site: switch on "What if I start 5 years later?" under the chart.

What will ₹1 crore actually buy?

Be honest with yourself here. At 6% inflation, ₹1 crore in 20 years buys what about ₹31 lakh buys today. Still a lot of money, but maybe not "never work again" money.

So pick the number from the goal, not the other way round. Retirement, a child's education and a house each need their own target. The goal planner adjusts for inflation for you.

Which funds?

For a goal 15 to 20 years away, most people use a mix of diversified equity funds such as flexi-cap, large-and-mid-cap or index funds. Closer to the goal, the money gradually moves to safer debt or hybrid funds so a market fall in the final year doesn't wreck the plan.

The right mix depends on your age, income stability and how you'd react to a 30% fall. That is a conversation, not a table, and I'm happy to have it with you: book a free call.

Try it

Put in your own target and years in the required SIP calculator, or drag the numbers in the sentence at the top of the home page.

Questions people ask

How much SIP is needed for 1 crore in 10 years?

About ₹43,000 a month at an assumed 12% return, or about ₹48,400 at 10%. Ten years is short for equity, so plan for a range of outcomes.

Can I reach 1 crore with a ₹5,000 SIP?

Yes, if you give it time and grow it: ₹5,000 a month with a 10% step-up every year reaches about ₹1 crore in 20 years at an assumed 12%. A flat ₹5,000 SIP, without any step-up, takes a little over 25 years at 12%.

Is 12% return realistic for SIP?

Broad Indian equity indices have delivered around 11 to 13% a year over many long periods, but returns vary a lot and are not guaranteed. Planning at 10% to 12% for long-term equity, and lower for shorter goals, is a sensible range.