SIP Calculator India — Build ₹1 Crore in 20 Years

Reference rates: July 03, 2026 · Verify with your bank before decisions.

How much do you need to invest each month to reach ₹1 crore? See worked examples at different monthly amounts and return rates, using historical Nifty 50 performance as a guide.

What is SIP?

A Systematic Investment Plan (SIP) is a way to invest a fixed amount in mutual funds every month — usually via auto-debit from your bank account. Over time, two forces grow your money:

1. Rupee cost averaging — you buy more units when prices are low and fewer when prices are high, so your average cost per unit stays low over the long term.
2. Compounding — your returns earn returns. After 10+ years, the majority of your final value comes from compound growth, not your contributions.

The ₹1 crore math

How much you need to invest monthly to reach ₹1 crore depends heavily on the return rate and tenure. Here are real calculations from the SIP formula:

The power of starting early

Starting 5 years earlier dramatically changes the outcome, because compounding works on time more than on contribution amount. Consider two investors, both saving ₹10,000/month at 12%:

• Investor A starts at age 25, invests for 35 years → final value ≈ ₹6.5 crore
• Investor B starts at age 35, invests for 25 years → final value ≈ ₹1.9 crore

Starting 10 years earlier gives you 3× the final corpus — despite contributing just 40% more money.

Step-up SIP: the pragmatic upgrade

Your salary increases over time. Your SIP should too. A step-up SIP increases the monthly contribution by a fixed percentage (typically 10%) each year.

Example: Start at ₹10,000/month, increase by 10% annually for 20 years at 12% returns. Final corpus ≈ ₹2.4 crore — more than double a flat SIP. This single adjustment is probably the most high-leverage tip in retail investing.

What returns to assume?

Indian equity markets have delivered different long-term returns depending on the period you measure:

• Nifty 50 total return: ~12% CAGR since inception (1995–2024)
• Nifty Midcap 150: ~15% CAGR over 10+ years (higher risk)
• Hybrid/Balanced funds: ~9–11%
• Debt funds: ~7–8%
• PPF (government guaranteed): 7.1% currently, tax-free

For planning, 12% is a reasonable base case for equity mutual fund SIP. Be honest — actual annual returns swing wildly. Since 2000, Indian equities have had single years ranging from −52% (2008) to +76% (2009). Long-term averages hide this volatility.

Where to start a SIP in India

Most popular platforms (all free to use, all SEBI-regulated):

• Groww — clean UI, strong for beginners
• Zerodha Coin — direct plans (lower fees), pairs with Kite for stocks
• Paytm Money — mobile-first, good for UPI-linked auto-debit
• Kuvera — goal-planning features
• ET Money — tax-saving recommendations

For tax-saving, consider ELSS funds (Equity Linked Savings Scheme) — 3-year lock-in, qualifies for Section 80C deduction up to ₹1.5 lakh/year.

Tax on SIP returns

Equity SIP (>65% equity allocation):

• Holding > 1 year: Long-term capital gains (LTCG) at 12.5% on gains above ₹1.25 lakh/year (Budget 2024)
• Holding < 1 year: Short-term capital gains (STCG) at 20%

Debt SIP: Gains added to income, taxed at slab rate (from April 2023).

Our calculator shows pre-tax projections. Your actual take-home will be 5–12% lower depending on your tax bracket and holding period.