To reach ₹1 crore in 15 years, invest about ₹19,900 a month at a 12% yearly return. At 10% you would need about ₹24,000 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹11,600 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹2,37,823 | ₹2,53,863 |
| 2 | ₹4,75,647 | ₹5,39,923 |
| 3 | ₹7,13,470 | ₹8,62,262 |
| 4 | ₹9,51,294 | ₹12,25,481 |
| 5 | ₹11,89,117 | ₹16,34,766 |
| 6 | ₹14,26,941 | ₹20,95,958 |
| 7 | ₹16,64,764 | ₹26,15,642 |
| 8 | ₹19,02,588 | ₹32,01,234 |
| 9 | ₹21,40,411 | ₹38,61,093 |
| 10 | ₹23,78,234 | ₹46,04,640 |
| 11 | ₹26,16,058 | ₹54,42,487 |
| 12 | ₹28,53,881 | ₹63,86,593 |
| 13 | ₹30,91,705 | ₹74,50,437 |
| 14 | ₹33,29,528 | ₹86,49,202 |
| 15 | ₹35,67,352 | ₹1,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.