To reach ₹2 crore in 25 years, invest about ₹10,600 a month at a 12% yearly return. At 10% you would need about ₹15,000 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹4,700 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹1,26,473 | ₹1,35,003 |
| 2 | ₹2,52,946 | ₹2,87,128 |
| 3 | ₹3,79,420 | ₹4,58,546 |
| 4 | ₹5,05,893 | ₹6,51,704 |
| 5 | ₹6,32,366 | ₹8,69,360 |
| 6 | ₹7,58,839 | ₹11,14,619 |
| 7 | ₹8,85,312 | ₹13,90,984 |
| 8 | ₹10,11,786 | ₹17,02,399 |
| 9 | ₹11,38,259 | ₹20,53,308 |
| 10 | ₹12,64,732 | ₹24,48,722 |
| 11 | ₹13,91,205 | ₹28,94,285 |
| 12 | ₹15,17,679 | ₹33,96,356 |
| 13 | ₹16,44,152 | ₹39,62,102 |
| 14 | ₹17,70,625 | ₹45,99,598 |
| 15 | ₹18,97,098 | ₹53,17,945 |
| 16 | ₹20,23,571 | ₹61,27,397 |
| 17 | ₹21,50,045 | ₹70,39,508 |
| 18 | ₹22,76,518 | ₹80,67,296 |
| 19 | ₹24,02,991 | ₹92,25,435 |
| 20 | ₹25,29,464 | ₹1,05,30,454 |
| 21 | ₹26,55,937 | ₹1,20,00,982 |
| 22 | ₹27,82,411 | ₹1,36,58,010 |
| 23 | ₹29,08,884 | ₹1,55,25,190 |
| 24 | ₹30,35,357 | ₹1,76,29,176 |
| 25 | ₹31,61,830 | ₹2,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.