To reach ₹1 crore in 25 years, invest about ₹5,300 a month at a 12% yearly return. At 10% you would need about ₹7,500 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹2,400 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹63,237 | ₹67,502 |
| 2 | ₹1,26,473 | ₹1,43,564 |
| 3 | ₹1,89,710 | ₹2,29,273 |
| 4 | ₹2,52,946 | ₹3,25,852 |
| 5 | ₹3,16,183 | ₹4,34,680 |
| 6 | ₹3,79,420 | ₹5,57,310 |
| 7 | ₹4,42,656 | ₹6,95,492 |
| 8 | ₹5,05,893 | ₹8,51,199 |
| 9 | ₹5,69,129 | ₹10,26,654 |
| 10 | ₹6,32,366 | ₹12,24,361 |
| 11 | ₹6,95,603 | ₹14,47,142 |
| 12 | ₹7,58,839 | ₹16,98,178 |
| 13 | ₹8,22,076 | ₹19,81,051 |
| 14 | ₹8,85,312 | ₹22,99,799 |
| 15 | ₹9,48,549 | ₹26,58,973 |
| 16 | ₹10,11,786 | ₹30,63,699 |
| 17 | ₹10,75,022 | ₹35,19,754 |
| 18 | ₹11,38,259 | ₹40,33,648 |
| 19 | ₹12,01,495 | ₹46,12,717 |
| 20 | ₹12,64,732 | ₹52,65,227 |
| 21 | ₹13,27,969 | ₹60,00,491 |
| 22 | ₹13,91,205 | ₹68,29,005 |
| 23 | ₹14,54,442 | ₹77,62,595 |
| 24 | ₹15,17,679 | ₹88,14,588 |
| 25 | ₹15,80,915 | ₹1,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.