A practical guide to calculating your monthly SIP investment to reach ₹1 crore in a decade.
Building a corpus of ₹1 crore in 10 years may sound challenging, but with a disciplined Systematic Investment Plan (SIP), it is completely achievable. SIP allows you to invest a fixed amount every month and benefit from long-term compounding.
You can easily calculate your required SIP amount using the SIP Calculator on sipcalculator.net .
Equity mutual funds in India have historically generated long-term returns between 10% and 15%. The SIP amount required depends on the return you assume.
| Expected Annual Return | Monthly SIP Required |
|---|---|
| 10% | ₹48,000 – ₹50,000 |
| 12% | ₹43,000 – ₹45,000 |
| 15% | ₹35,000 – ₹38,000 |
Try different return assumptions and SIP amounts on sipcalculator.net to plan more accurately.
This demonstrates the power of compounding, where a large portion of your final corpus comes from returns rather than direct investment.
Start with a lower SIP and increase it by 10% every year as your income grows. This makes the goal easier to achieve.
Extending your investment horizon to 12–15 years can significantly reduce the monthly SIP required.
A balanced allocation helps manage risk while targeting growth:
To achieve ₹1 crore in 10 years, you should plan for a monthly SIP of around ₹40,000–₹45,000, assuming a 12% annual return. Consistency, patience, and regular reviews are key to success.
Use the SIP Calculator on sipcalculator.net to track your progress and fine-tune your investment plan.