Guides / How Much SIP Do You Need to Build ₹1 Crore?

How Much SIP Do You Need to Build ₹1 Crore?

A crore sounds like a lot, but a monthly SIP gets you there with time on your side. The table below assumes a 12% yearly return, which is an estimate and not a guarantee.

What this tells you

• Waiting 10 more years makes the monthly amount about four times bigger.
• At 25 years you invest only ₹15.8 lakh, and compounding adds the remaining ₹84 lakh.
• Increasing your SIP by 10% every year can reach the target sooner. Try it in the SIP Calculator.

Tips

1. Start with what you can afford and increase it as your income grows.
2. Stay invested through market falls. Stopping early removes the benefit of compounding.
3. Use a realistic return. If you assume 10% instead of 12%, the required SIP goes up noticeably.

Mutual fund returns are not guaranteed. This is an illustration, not financial advice.