To reach ₹25 lakh in 10 years, invest about ₹10,800 a month at a 12% yearly return. At 10% you would need about ₹12,200 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹7,500 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹1,29,122 | ₹1,37,830 |
| 2 | ₹2,58,243 | ₹2,93,141 |
| 3 | ₹3,87,365 | ₹4,68,148 |
| 4 | ₹5,16,487 | ₹6,65,351 |
| 5 | ₹6,45,608 | ₹8,87,565 |
| 6 | ₹7,74,730 | ₹11,37,960 |
| 7 | ₹9,03,851 | ₹14,20,112 |
| 8 | ₹10,32,973 | ₹17,38,048 |
| 9 | ₹11,62,095 | ₹20,96,306 |
| 10 | ₹12,91,216 | ₹25,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.