investing
How Much SIP Do You Need for ₹1 Crore?
By Himanshu Kumar Gupta · · 5 min read
To build ₹1 crore, you need a monthly SIP of about ₹10,109 for 20 years or ₹20,017 for 15 years, assuming a 12% yearly return. The shorter the time, the steeper the monthly amount.
Monthly SIP needed for ₹1 crore
| Years | At 10% | At 12% | At 14% |
|---|---|---|---|
| 10 | ₹48,817 | ₹43,471 | ₹38,600 |
| 15 | ₹24,127 | ₹20,017 | ₹16,507 |
| 20 | ₹13,169 | ₹10,109 | ₹7,685 |
| 25 | ₹7,537 | ₹5,322 | ₹3,709 |
| 30 | ₹4,424 | ₹2,861 | ₹1,821 |
The numbers assume a constant return and a SIP paid at the end of each month. Equity returns are not constant, so treat these as planning figures.
Time matters more than the amount
Cutting the period from 20 to 15 years makes the SIP about 2.0 times larger. Every five years of delay roughly doubles what you need, which is why starting early beats starting big.
Make it easier with a step-up SIP
You do not have to start at the full amount. A SIP that begins lower and rises 10% every year, in line with your salary, can reach the same goal. Try it in the step-up SIP calculator.
Remember inflation
₹1 crore in 20 years will buy roughly what ₹31 lakh buys today at 6% inflation. If your goal is a lifestyle, size the target in future rupees first with the inflation calculator, then plan the SIP for that number.
Plan your own number
Put your target and timeline into the goal SIP calculator. To see whether the SIP fits with your EMIs, insurance and emergency fund, run the free financial health check.
Frequently asked questions
- How much SIP is needed for ₹1 crore in 10 years?
- About ₹43,471 a month at a 12% yearly return.
- How much SIP is needed for ₹1 crore in 20 years?
- About ₹10,109 a month at 12%, or ₹13,169 at 10%.
- Is 12% a realistic SIP return?
- Diversified equity funds in India have delivered around 10% to 13% over long periods, but nothing is guaranteed. Plan with 10% to 12% and review every year.