The Roadmap to ₹1 Crore via SIP

Author: SIPCalc Editorial TeamPublished: May 19, 2026Updated: May 19, 2026

Educational content only. Examples are illustrative and should not be treated as personalized investment advice.

“Reaching a corpus of ₹1 Crore is a milestone many Indian investors dream of. Thanks to mutual funds and the power of compounding, it is a highly achievable target. Let’s break down exactly how much you need to invest.”

The Core Assumption

For these calculations, we assume a long-term annualized return of 12%, which is a conservative and realistic expectation for diversified equity mutual funds over a 10+ year horizon in India.

SIP Amounts for Different Time Horizons

The amount you need to invest is inversely proportional to the time you have. If you start late, you have to invest significantly more. Here are the monthly SIPs required for ₹1 Crore at 12% CAGR: For 10 years: ₹43,041/month. For 15 years: ₹20,017/month. For 20 years: ₹10,009/month. For 25 years: ₹5,270/month.

Related Calculators

FAQs

Q.Is 12% return guaranteed?

No, mutual funds are subject to market risks. However, historical data of Sensex/Nifty shows ~12-14% returns over rolling 10-year periods.

Q.Which funds should I choose for a 20-year horizon?

For a 20-year horizon, aggressive investors prefer Flexi-cap, Mid-cap, or Small-cap funds, while conservative investors opt for Large-cap or Index funds.

Q.Should I invest ₹10,000 in one fund or split it?

It is best to split it across 2 or 3 distinct funds (e.g., an Index fund and a Flexi-cap fund) for better diversification.