To reach ₹1 crore in 10 years, invest about ₹43,100 a month at a 12% yearly return. At 10% you would need about ₹48,500 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹29,700 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹5,16,487 | ₹5,51,320 |
| 2 | ₹10,32,973 | ₹11,72,562 |
| 3 | ₹15,49,460 | ₹18,72,593 |
| 4 | ₹20,65,946 | ₹26,61,405 |
| 5 | ₹25,82,433 | ₹35,50,258 |
| 6 | ₹30,98,919 | ₹45,51,840 |
| 7 | ₹36,15,406 | ₹56,80,448 |
| 8 | ₹41,31,892 | ₹69,52,191 |
| 9 | ₹46,48,379 | ₹83,85,223 |
| 10 | ₹51,64,865 | ₹1,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.