To reach ₹2 crore in 15 years, invest about ₹39,700 a month at a 12% yearly return. At 10% you would need about ₹47,900 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹23,100 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹4,75,647 | ₹5,07,726 |
| 2 | ₹9,51,294 | ₹10,79,845 |
| 3 | ₹14,26,941 | ₹17,24,523 |
| 4 | ₹19,02,588 | ₹24,50,962 |
| 5 | ₹23,78,234 | ₹32,69,532 |
| 6 | ₹28,53,881 | ₹41,91,917 |
| 7 | ₹33,29,528 | ₹52,31,283 |
| 8 | ₹38,05,175 | ₹64,02,467 |
| 9 | ₹42,80,822 | ₹77,22,187 |
| 10 | ₹47,56,469 | ₹92,09,280 |
| 11 | ₹52,32,116 | ₹1,08,84,973 |
| 12 | ₹57,07,763 | ₹1,27,73,187 |
| 13 | ₹61,83,409 | ₹1,49,00,873 |
| 14 | ₹66,59,056 | ₹1,72,98,403 |
| 15 | ₹71,34,703 | ₹2,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.