To reach ₹25 lakh in 30 years, invest about ₹800 a month at a 12% yearly return. At 10% you would need about ₹1,100 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹300 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹8,499 | ₹9,072 |
| 2 | ₹16,998 | ₹19,295 |
| 3 | ₹25,496 | ₹30,814 |
| 4 | ₹33,995 | ₹43,793 |
| 5 | ₹42,494 | ₹58,420 |
| 6 | ₹50,993 | ₹74,901 |
| 7 | ₹59,492 | ₹93,472 |
| 8 | ₹67,990 | ₹1,14,398 |
| 9 | ₹76,489 | ₹1,37,979 |
| 10 | ₹84,988 | ₹1,64,550 |
| 11 | ₹93,487 | ₹1,94,491 |
| 12 | ₹1,01,985 | ₹2,28,229 |
| 13 | ₹1,10,484 | ₹2,66,247 |
| 14 | ₹1,18,983 | ₹3,09,085 |
| 15 | ₹1,27,482 | ₹3,57,357 |
| 16 | ₹1,35,981 | ₹4,11,751 |
| 17 | ₹1,44,479 | ₹4,73,043 |
| 18 | ₹1,52,978 | ₹5,42,109 |
| 19 | ₹1,61,477 | ₹6,19,934 |
| 20 | ₹1,69,976 | ₹7,07,629 |
| 21 | ₹1,78,475 | ₹8,06,446 |
| 22 | ₹1,86,973 | ₹9,17,796 |
| 23 | ₹1,95,472 | ₹10,43,267 |
| 24 | ₹2,03,971 | ₹11,84,652 |
| 25 | ₹2,12,470 | ₹13,43,967 |
| 26 | ₹2,20,969 | ₹15,23,488 |
| 27 | ₹2,29,467 | ₹17,25,776 |
| 28 | ₹2,37,966 | ₹19,53,720 |
| 29 | ₹2,46,465 | ₹22,10,572 |
| 30 | ₹2,54,964 | ₹25,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.