To reach ₹2 crore in 10 years, invest about ₹86,100 a month at a 12% yearly return. At 10% you would need about ₹96,900 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹59,300 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹10,32,973 | ₹11,02,641 |
| 2 | ₹20,65,946 | ₹23,45,124 |
| 3 | ₹30,98,919 | ₹37,45,186 |
| 4 | ₹41,31,892 | ₹53,22,810 |
| 5 | ₹51,64,865 | ₹71,00,516 |
| 6 | ₹61,97,838 | ₹91,03,680 |
| 7 | ₹72,30,811 | ₹1,13,60,895 |
| 8 | ₹82,63,784 | ₹1,39,04,382 |
| 9 | ₹92,96,757 | ₹1,67,70,447 |
| 10 | ₹1,03,29,730 | ₹2,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.