To reach ₹25 lakh in 25 years, invest about ₹1,400 a month at a 12% yearly return. At 10% you would need about ₹1,900 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹600 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹15,809 | ₹16,875 |
| 2 | ₹31,618 | ₹35,891 |
| 3 | ₹47,427 | ₹57,318 |
| 4 | ₹63,237 | ₹81,463 |
| 5 | ₹79,046 | ₹1,08,670 |
| 6 | ₹94,855 | ₹1,39,327 |
| 7 | ₹1,10,664 | ₹1,73,873 |
| 8 | ₹1,26,473 | ₹2,12,800 |
| 9 | ₹1,42,282 | ₹2,56,664 |
| 10 | ₹1,58,092 | ₹3,06,090 |
| 11 | ₹1,73,901 | ₹3,61,786 |
| 12 | ₹1,89,710 | ₹4,24,544 |
| 13 | ₹2,05,519 | ₹4,95,263 |
| 14 | ₹2,21,328 | ₹5,74,950 |
| 15 | ₹2,37,137 | ₹6,64,743 |
| 16 | ₹2,52,946 | ₹7,65,925 |
| 17 | ₹2,68,756 | ₹8,79,938 |
| 18 | ₹2,84,565 | ₹10,08,412 |
| 19 | ₹3,00,374 | ₹11,53,179 |
| 20 | ₹3,16,183 | ₹13,16,307 |
| 21 | ₹3,31,992 | ₹15,00,123 |
| 22 | ₹3,47,801 | ₹17,07,251 |
| 23 | ₹3,63,610 | ₹19,40,649 |
| 24 | ₹3,79,420 | ₹22,03,647 |
| 25 | ₹3,95,229 | ₹25,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.