How Much SIP Do You Need for ₹1 Crore?
Becoming a crorepati is not about luck or timing — it’s about discipline, time, and realistic return expectations.
The earlier you start your SIP, the lower the monthly amount needed. Time matters more than chasing higher returns.
The Big Question: How Much Is Enough?
Many investors set a goal of accumulating ₹1 crore, but struggle to estimate how much they need to invest every month.
The answer depends on just three variables:
- Expected annual return
- Investment duration
- Consistency of SIP contributions
How SIP Growth Is Calculated
SIPs grow through the power of compounding. The future value of a monthly SIP is calculated using:
| Future Value (FV) | P × [ ((1 + r)n − 1) ÷ r ] |
Where:
- P = monthly SIP amount
- r = monthly rate of return
- n = total number of months
SIP Scenarios to Reach ₹1 Crore
Below are approximate monthly SIP amounts required under different assumptions.
| Expected return | 10 years | 15 years | 20 years |
|---|---|---|---|
| 12% annual | ₹24,000 | ₹9,500 | ₹6,200 |
| 10% annual | ₹29,000 | ₹11,400 | ₹7,600 |
What These Numbers Really Mean
A small delay or lower return assumption can significantly increase the monthly SIP required.
This is why starting early matters more than trying to find “high return” investments.
Practical Tips to Reach ₹1 Crore Faster
- Start early: Time reduces pressure on monthly contributions.
- Use step-up SIPs: Increase SIP amounts as your income grows.
- Stick to equity for long-term goals: Equity mutual funds offer the best chance to beat inflation.
- Stay consistent: Skipping SIPs breaks compounding.
₹1 crore is not a fantasy.
With discipline, time, and realistic expectations,
it is an achievable goal for many investors.