To reach ₹25 lakh in 15 years, invest about ₹5,000 a month at a 12% yearly return. At 10% you would need about ₹6,000 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹2,900 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹59,456 | ₹63,466 |
| 2 | ₹1,18,912 | ₹1,34,981 |
| 3 | ₹1,78,368 | ₹2,15,565 |
| 4 | ₹2,37,823 | ₹3,06,370 |
| 5 | ₹2,97,279 | ₹4,08,691 |
| 6 | ₹3,56,735 | ₹5,23,990 |
| 7 | ₹4,16,191 | ₹6,53,910 |
| 8 | ₹4,75,647 | ₹8,00,308 |
| 9 | ₹5,35,103 | ₹9,65,273 |
| 10 | ₹5,94,559 | ₹11,51,160 |
| 11 | ₹6,54,014 | ₹13,60,622 |
| 12 | ₹7,13,470 | ₹15,96,648 |
| 13 | ₹7,72,926 | ₹18,62,609 |
| 14 | ₹8,32,382 | ₹21,62,300 |
| 15 | ₹8,91,838 | ₹25,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.