To reach ₹2 crore in 30 years, invest about ₹5,700 a month at a 12% yearly return. At 10% you would need about ₹8,800 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹2,300 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹67,990 | ₹72,576 |
| 2 | ₹1,35,981 | ₹1,54,356 |
| 3 | ₹2,03,971 | ₹2,46,508 |
| 4 | ₹2,71,961 | ₹3,50,348 |
| 5 | ₹3,39,952 | ₹4,67,356 |
| 6 | ₹4,07,942 | ₹5,99,205 |
| 7 | ₹4,75,932 | ₹7,47,775 |
| 8 | ₹5,43,923 | ₹9,15,187 |
| 9 | ₹6,11,913 | ₹11,03,832 |
| 10 | ₹6,79,903 | ₹13,16,401 |
| 11 | ₹7,47,894 | ₹15,55,929 |
| 12 | ₹8,15,884 | ₹18,25,836 |
| 13 | ₹8,83,874 | ₹21,29,974 |
| 14 | ₹9,51,865 | ₹24,72,683 |
| 15 | ₹10,19,855 | ₹28,58,857 |
| 16 | ₹10,87,845 | ₹32,94,008 |
| 17 | ₹11,55,836 | ₹37,84,346 |
| 18 | ₹12,23,826 | ₹43,36,872 |
| 19 | ₹12,91,816 | ₹49,59,472 |
| 20 | ₹13,59,807 | ₹56,61,033 |
| 21 | ₹14,27,797 | ₹64,51,570 |
| 22 | ₹14,95,787 | ₹73,42,366 |
| 23 | ₹15,63,778 | ₹83,46,138 |
| 24 | ₹16,31,768 | ₹94,77,213 |
| 25 | ₹16,99,758 | ₹1,07,51,736 |
| 26 | ₹17,67,749 | ₹1,21,87,901 |
| 27 | ₹18,35,739 | ₹1,38,06,208 |
| 28 | ₹19,03,729 | ₹1,56,29,757 |
| 29 | ₹19,71,720 | ₹1,76,84,577 |
| 30 | ₹20,39,710 | ₹2,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.