To reach ₹2 crore in 20 years, invest about ₹20,100 a month at a 12% yearly return. At 10% you would need about ₹26,200 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹10,100 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹2,40,205 | ₹2,56,405 |
| 2 | ₹4,80,409 | ₹5,45,329 |
| 3 | ₹7,20,614 | ₹8,70,895 |
| 4 | ₹9,60,819 | ₹12,37,751 |
| 5 | ₹12,01,023 | ₹16,51,134 |
| 6 | ₹14,41,228 | ₹21,16,944 |
| 7 | ₹16,81,433 | ₹26,41,831 |
| 8 | ₹19,21,637 | ₹32,33,286 |
| 9 | ₹21,61,842 | ₹38,99,753 |
| 10 | ₹24,02,047 | ₹46,50,744 |
| 11 | ₹26,42,251 | ₹54,96,980 |
| 12 | ₹28,82,456 | ₹64,50,540 |
| 13 | ₹31,22,661 | ₹75,25,035 |
| 14 | ₹33,62,865 | ₹87,35,803 |
| 15 | ₹36,03,070 | ₹1,01,00,126 |
| 16 | ₹38,43,275 | ₹1,16,37,480 |
| 17 | ₹40,83,479 | ₹1,33,69,809 |
| 18 | ₹43,23,684 | ₹1,53,21,840 |
| 19 | ₹45,63,889 | ₹1,75,21,438 |
| 20 | ₹48,04,093 | ₹2,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.