To reach ₹25 lakh in 20 years, invest about ₹2,600 a month at a 12% yearly return. At 10% you would need about ₹3,300 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹1,300 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹30,026 | ₹32,051 |
| 2 | ₹60,051 | ₹68,166 |
| 3 | ₹90,077 | ₹1,08,862 |
| 4 | ₹1,20,102 | ₹1,54,719 |
| 5 | ₹1,50,128 | ₹2,06,392 |
| 6 | ₹1,80,154 | ₹2,64,618 |
| 7 | ₹2,10,179 | ₹3,30,229 |
| 8 | ₹2,40,205 | ₹4,04,161 |
| 9 | ₹2,70,230 | ₹4,87,469 |
| 10 | ₹3,00,256 | ₹5,81,343 |
| 11 | ₹3,30,281 | ₹6,87,123 |
| 12 | ₹3,60,307 | ₹8,06,317 |
| 13 | ₹3,90,333 | ₹9,40,629 |
| 14 | ₹4,20,358 | ₹10,91,975 |
| 15 | ₹4,50,384 | ₹12,62,516 |
| 16 | ₹4,80,409 | ₹14,54,685 |
| 17 | ₹5,10,435 | ₹16,71,226 |
| 18 | ₹5,40,461 | ₹19,15,230 |
| 19 | ₹5,70,486 | ₹21,90,180 |
| 20 | ₹6,00,512 | ₹25,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.