To reach ₹1 crore in 30 years, invest about ₹2,900 a month at a 12% yearly return. At 10% you would need about ₹4,400 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹1,200 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹33,995 | ₹36,288 |
| 2 | ₹67,990 | ₹77,178 |
| 3 | ₹1,01,985 | ₹1,23,254 |
| 4 | ₹1,35,981 | ₹1,75,174 |
| 5 | ₹1,69,976 | ₹2,33,678 |
| 6 | ₹2,03,971 | ₹2,99,602 |
| 7 | ₹2,37,966 | ₹3,73,887 |
| 8 | ₹2,71,961 | ₹4,57,594 |
| 9 | ₹3,05,956 | ₹5,51,916 |
| 10 | ₹3,39,952 | ₹6,58,200 |
| 11 | ₹3,73,947 | ₹7,77,965 |
| 12 | ₹4,07,942 | ₹9,12,918 |
| 13 | ₹4,41,937 | ₹10,64,987 |
| 14 | ₹4,75,932 | ₹12,36,342 |
| 15 | ₹5,09,927 | ₹14,29,429 |
| 16 | ₹5,43,923 | ₹16,47,004 |
| 17 | ₹5,77,918 | ₹18,92,173 |
| 18 | ₹6,11,913 | ₹21,68,436 |
| 19 | ₹6,45,908 | ₹24,79,736 |
| 20 | ₹6,79,903 | ₹28,30,517 |
| 21 | ₹7,13,898 | ₹32,25,785 |
| 22 | ₹7,47,894 | ₹36,71,183 |
| 23 | ₹7,81,889 | ₹41,73,069 |
| 24 | ₹8,15,884 | ₹47,38,606 |
| 25 | ₹8,49,879 | ₹53,75,868 |
| 26 | ₹8,83,874 | ₹60,93,951 |
| 27 | ₹9,17,869 | ₹69,03,104 |
| 28 | ₹9,51,865 | ₹78,14,878 |
| 29 | ₹9,85,860 | ₹88,42,289 |
| 30 | ₹10,19,855 | ₹1,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.