Complete Guide · Free Calculator · 2026
SIP to Reach ₹1 Crore
How Much to Invest Monthly?
Find your exact monthly SIP amount to build a ₹1 crore corpus in 5, 10, 15 or 20 years. With real fund examples and step-by-step guide.
SIP Amount Needed for ₹1 Crore — Complete Table
Here is the exact monthly SIP needed to reach ₹1 crore at different time horizons and return rates:
| Time Period | At 10% Returns | At 12% Returns | At 14% Returns | At 15% Returns |
|---|---|---|---|---|
| 5 Years | ₹1,29,000/mo | ₹1,22,000/mo | ₹1,16,000/mo | ₹1,13,000/mo |
| 10 Years | ₹48,800/mo | ₹43,000/mo | ₹38,000/mo | ₹35,800/mo |
| 15 Years | ₹24,000/mo | ₹20,000/mo | ₹16,500/mo | ₹15,000/mo |
| 20 Years | ₹13,200/mo | ₹10,000/mo | ₹7,800/mo | ₹6,900/mo |
| 25 Years | ₹7,500/mo | ₹5,300/mo | ₹3,800/mo | ₹3,200/mo |
| 30 Years | ₹4,400/mo | ₹2,900/mo | ₹1,900/mo | ₹1,500/mo |
* Monthly SIP amounts are approximate. Returns are compounded monthly. Past returns do not guarantee future performance.
What is SIP and How Does It Work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month — automatically. Instead of timing the market, you invest regularly and benefit from rupee cost averaging. When markets fall, your SIP buys more units. When markets rise, your existing units gain value.
Over long periods, SIP in equity mutual funds has historically delivered 11–15% annual returns in India, significantly beating FDs, PPF and traditional savings instruments.
💡 The compounding magic: To reach ₹1 crore in 20 years, you invest just ₹10,000/month — a total of ₹24 lakhs. The remaining ₹76 lakhs comes purely from compound interest. That's 76% of your wealth created by compounding, not your hard-earned money.
Step-by-Step: How to Start a SIP for ₹1 Crore
Step 1 — Set your timeline
Decide how many years you have. The more time, the less you need to invest monthly. If you're starting at 30 and want ₹1 crore by 50, you have 20 years — requiring just ₹10,000/month at 12% returns.
Step 2 — Choose the right fund type
For a 10+ year horizon, large-cap or flexi-cap equity mutual funds are ideal. For 5–10 years, a combination of large-cap and mid-cap works well. Avoid debt funds for long-term wealth creation goals.
Step 3 — Complete KYC
You need PAN card, Aadhaar, and a bank account. KYC can be done online in 10 minutes on any AMC website or through apps like Groww, Zerodha Coin or Paytm Money.
Step 4 — Set up auto-debit
Link your bank account and set up an auto-debit mandate. Your SIP amount gets debited automatically on the chosen date every month. Set it and forget it.
Step 5 — Increase SIP every year
Use the Step-Up SIP option — increase your SIP by 10% every year as your income grows. This dramatically reduces the time to reach ₹1 crore and requires much lower starting amounts.
SIP vs FD — Which is Better for ₹1 Crore Goal?
| Factor | SIP (Equity MF) | Fixed Deposit |
|---|---|---|
| Expected Returns | 11–15% p.a. | 6.5–7.5% p.a. |
| Monthly amount for ₹1Cr / 15yr | ₹20,000 | ₹36,000 |
| Risk | Market risk | Very low |
| Tax on gains | 10% LTCG above ₹1L | As per tax slab |
| Liquidity | High (3 days) | Penalty on early exit |
| Inflation beating | Yes | Barely |
📌 Key Takeaways
- ₹10,000/month SIP for 20 years at 12% = ₹1 crore
- ₹20,000/month SIP for 15 years at 12% = ₹1 crore
- Starting early is more important than investing more
- Step-up SIP (10% annual increase) can cut your timeline by 3–5 years
- Equity SIP historically delivers 2x the returns of FD over 15+ years
- Never stop SIP during market crashes — that's when you buy cheapest