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

Investment · 2 Oct 2025 · 6 min read

₹1 crore feels enormous — but it is more achievable than most Indians realise. The two levers are time and rate of return. Start early, stay invested.

At 12% expected equity returns

20 years: ~₹10,000/month. 15 years: ~₹20,000/month. 10 years: ~₹43,000/month. 5 years: ~₹1,22,000/month. The maths punishes lateness ruthlessly.

What if returns are lower (10%)?

20 years: ~₹13,200/month. 15 years: ~₹24,100/month. The cost of being conservative on assumptions is roughly 30% higher monthly contribution.

Step-up SIPs

Increasing your SIP by 10% every year reduces the starting amount needed by ~30%. Most platforms now support automated step-up.

Don’t forget tax

₹1 crore in equity MF will face ~10% LTCG (above ₹1.25L gain). Plan for ~₹1.1 crore corpus if your target is ₹1 cr in hand.

Final word

Plug your goal year and amount into our SIP calculator and adjust monthly. The compounding curve gets steep in the last 5 years — that is why early starters win.