₹1 crore is the classic Indian wealth milestone. The good news: you don't need a huge salary to get there — you need time and consistency. Here's the monthly SIP it takes, assuming a 12% annual return (a long-run equity assumption, not a promise).
The monthly SIP for ₹1 crore
- In 25 years: about ₹5,300 a month
- In 20 years: about ₹10,000 a month
- In 15 years: about ₹20,000 a month
- In 10 years: about ₹43,000 a month
Notice how the number more than doubles every five years you wait. That's compounding working against you when you delay — and for you when you start early.
Why the early years matter most
Most of your final corpus comes from the money invested earliest, because it compounds the longest. A rupee invested at 25 does far more work than a rupee invested at 40. So the single best move is to start now with whatever you can, and step it up as your income grows.
These are round figures at a 12% assumption. Returns vary year to year and aren't guaranteed — plug your own amount, tenure and expected return into the SIP calculator to see your real number.
Where to go next
FAQs
12% is a common long-run assumption for Indian equity mutual funds over 10+ years, but actual returns vary a lot year to year and are never guaranteed. Use a conservative figure (10–12%) for planning and treat the result as an estimate, not a promise.
Start with whatever you can — even ₹2,000–₹3,000 — and increase it each year as your income rises (a step-up SIP). Starting early with a small amount usually beats waiting until you can invest a large amount.
If you're investing from your monthly income, a SIP is the natural fit and averages your purchase price. If you already have a large sum, a lumpsum is often invested longer and can do better — it depends on your situation.
Educational information, not financial advice. Figures are illustrative and assume the stated return or rate; actual outcomes vary and aren't guaranteed. Run your own numbers before deciding.