To reach ₹1 crore in 20 years, invest about ₹10,100 a month at a 12% yearly return. At 10% you would need about ₹13,100 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹5,100 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹1,20,102 | ₹1,28,203 |
| 2 | ₹2,40,205 | ₹2,72,664 |
| 3 | ₹3,60,307 | ₹4,35,448 |
| 4 | ₹4,80,409 | ₹6,18,876 |
| 5 | ₹6,00,512 | ₹8,25,567 |
| 6 | ₹7,20,614 | ₹10,58,472 |
| 7 | ₹8,40,716 | ₹13,20,915 |
| 8 | ₹9,60,819 | ₹16,16,643 |
| 9 | ₹10,80,921 | ₹19,49,877 |
| 10 | ₹12,01,023 | ₹23,25,372 |
| 11 | ₹13,21,126 | ₹27,48,490 |
| 12 | ₹14,41,228 | ₹32,25,270 |
| 13 | ₹15,61,330 | ₹37,62,517 |
| 14 | ₹16,81,433 | ₹43,67,901 |
| 15 | ₹18,01,535 | ₹50,50,063 |
| 16 | ₹19,21,637 | ₹58,18,740 |
| 17 | ₹20,41,740 | ₹66,84,904 |
| 18 | ₹21,61,842 | ₹76,60,920 |
| 19 | ₹22,81,944 | ₹87,60,719 |
| 20 | ₹24,02,047 | ₹1,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.