SIP to reach ₹1 crore in 20 years
The monthly SIP you need to build a ₹1 crore corpus in 20 years, at conservative, moderate and optimistic return assumptions — plus a step-up alternative.
To reach ₹1 crore in 20 years you need to invest about ₹10,009/month at a 12% annual return — ₹24.02L invested in all, the other ₹75.98L being growth. Expecting only 10%? You'd need ₹13,060/month; at an optimistic 15%, just ₹6,597/month. Returns are market-linked, not guaranteed.
Monthly SIP needed for ₹1 crore in 20 years
How the required SIP changes with the return you assume. The last column is the lower starting SIP if you step it up 10% every year instead.
| Annual return | Monthly SIP | You invest | Growth | Or step-up from |
|---|---|---|---|---|
| 10% | ₹13,060 | ₹31.34L | ₹68.66L | ₹6,194/mo |
| 12%typical | ₹10,009 | ₹24.02L | ₹75.98L | ₹5,028/mo |
| 15% | ₹6,597 | ₹15.83L | ₹84.17L | ₹3,592/mo |
Computed with the standard monthly-compounding SIP formula (contributions at the start of each month). Figures are exact for the assumed return, which is not guaranteed.
Test your own numbers in the SIP calculator₹1 crore over other horizons
The longer you give it, the smaller the monthly SIP — compounding does more of the work.
Other goals in 20 years
Frequently asked questions
At a 12% annual return — the long-run figure often quoted for diversified Indian equity mutual funds — you need a SIP of about ₹10,009 per month, contributing ₹24.02L over the 20 years; the rest (₹75.98L) is growth. If you only assume 10% you would need ₹13,060/month, and at an optimistic 15% just ₹6,597/month.
Diversified equity mutual funds in India have historically returned roughly 11–14% a year over long periods, which is why 12% is used as the central figure here — but it is an assumption, not a promise. Returns are market-linked and vary year to year, and some years are negative. Use the 10% column as a more conservative plan and revisit your SIP each year.
Yes. Instead of a level ₹10,009/month, if you increase your SIP by 10% every year (roughly in line with salary growth), you can start at just ₹5,028/month at 12% and still reach ₹1 crore in 20 years — because more of your money is invested in the later, higher-balance years.
No. They are computed with the standard SIP (monthly-compounding) formula on the return you assume, so they are exact for that assumption — but the actual return is not guaranteed. Treat them as a planning target, round up to be safe, and use the SIP calculator to test your own numbers, step-up and inflation.