How Much SIP to Reach ₹1 Crore
Find the monthly SIP needed to reach ₹1 crore at India's long-term equity returns. Free, no signup.
Monthly SIP needed to reach ₹1 crore
| Duration | Monthly SIP (at 12%) |
|---|---|
| 10 years | ₹43,041 |
| 15 years | ₹19,819 |
| 20 years | ₹10,009 |
| 25 years | ₹5,270 |
| 30 years | ₹2,833 |
Assumes 12% p.a. The longer you invest, the less you need each month — compounding does the heavy lifting.
Become a crorepati
To reach ₹1 crore in 20 years at 12%, invest about ₹10,009/month. Start earlier and the monthly amount drops sharply.
Frequently Asked Questions
How much SIP to become a crorepati?
At 12% p.a., roughly ₹10,000/month for 20 years, ₹4,500/month for 25 years, or ₹2,100/month for 30 years reaches ₹1 crore. Starting earlier needs far less per month.
Is ₹1 crore enough?
It depends on your goals and inflation. ₹1 crore in 20 years is worth less in today's money — use the inflation-adjusted (real value) option to see purchasing power.
Which funds for long-term SIP?
Diversified equity / index funds suit long horizons. Past performance doesn't guarantee future returns; diversify and review periodically.
Can I increase SIP later?
Yes — a step-up SIP (raising the amount yearly) reaches ₹1 crore faster or lets you start with a smaller monthly amount.