How much SIP do you need to build ₹1 crore?
The monthly SIP you need for ₹1 crore depends mostly on how many years you give it. Here are the numbers for 10 to 30 years.
₹1 crore is a common first big goal. The good news: time does most of the work, not the size of your SIP.
The monthly SIP for ₹1 crore
Assuming the SIP is paid at the start of every month and the fund earns a steady yearly return:
| Years | SIP at 10% a year | SIP at 12% a year |
|---|---|---|
| 10 | ₹48,414 | ₹43,041 |
| 15 | ₹23,928 | ₹19,819 |
| 20 | ₹13,060 | ₹10,009 |
| 25 | ₹7,474 | ₹5,270 |
| 30 | ₹4,387 | ₹2,833 |
Starting ten years earlier cuts the monthly amount by roughly two-thirds or more. That is compounding: returns earn returns.
Try your own numbers
Three things to keep in mind
- Inflation: ₹1 crore in 20 years will buy much less than ₹1 crore today. The calculator above lets you add inflation to your goal.
- Returns are not fixed: equity funds go up and down. Planning figures of 10–12% for long-term equity funds are common, but no return is guaranteed.
- Raise your SIP every year: a 10% yearly step-up builds far more than a flat SIP. See our step-up SIP calculator.
This article is general information, not personal financial advice. Rules and rates change; check the latest before you act.