Is ₹1 Crore Realistic via SIP?
Yes — and more accessible than you think. At 12% p.a. returns, here is how long different monthly SIPs take:
| Monthly SIP | Time to ₹1 Crore | Total Invested |
|---|---|---|
| ₹5,000 | ~27 years | ₹16.2 L |
| ₹10,000 | ~21 years | ₹25.2 L |
| ₹25,000 | ~14.5 years | ₹43.5 L |
| ₹50,000 | ~10 years | ₹60 L |
Step-by-Step Plan
- Set your target date — the longer the horizon, the smaller the SIP needed
- Choose the right fund — 10+ year horizon: mid/flexicap; 5–7 years: large cap/index
- Step-Up SIP — increase SIP by 10% annually; ₹10K SIP reaches ₹1 Cr in ~17 years instead of 21
- Stay invested in downturns — market corrections lower your average NAV cost
- Review annually — switch only if a fund consistently underperforms its benchmark for 2–3 years
Disclaimer: 12% p.a. is illustrative. Actual returns vary. Past performance is not indicative of future results. Not investment advice.