To reach ₹5 crore in 10 years, invest about ₹2,15,300 a month at a 12% yearly return. At 10% you would need about ₹2,42,100 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹1,48,200 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹25,82,433 | ₹27,56,602 |
| 2 | ₹51,64,865 | ₹58,62,810 |
| 3 | ₹77,47,298 | ₹93,62,964 |
| 4 | ₹1,03,29,730 | ₹1,33,07,024 |
| 5 | ₹1,29,12,163 | ₹1,77,51,290 |
| 6 | ₹1,54,94,595 | ₹2,27,59,200 |
| 7 | ₹1,80,77,028 | ₹2,84,02,238 |
| 8 | ₹2,06,59,461 | ₹3,47,60,955 |
| 9 | ₹2,32,41,893 | ₹4,19,26,117 |
| 10 | ₹2,58,24,326 | ₹5,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.