To reach ₹5 crore in 15 years, invest about ₹99,100 a month at a 12% yearly return. At 10% you would need about ₹1,19,700 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹57,600 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹11,89,117 | ₹12,69,316 |
| 2 | ₹23,78,234 | ₹26,99,613 |
| 3 | ₹35,67,352 | ₹43,11,308 |
| 4 | ₹47,56,469 | ₹61,27,405 |
| 5 | ₹59,45,586 | ₹81,73,830 |
| 6 | ₹71,34,703 | ₹1,04,79,792 |
| 7 | ₹83,23,820 | ₹1,30,78,208 |
| 8 | ₹95,12,938 | ₹1,60,06,168 |
| 9 | ₹1,07,02,055 | ₹1,93,05,467 |
| 10 | ₹1,18,91,172 | ₹2,30,23,199 |
| 11 | ₹1,30,80,289 | ₹2,72,12,433 |
| 12 | ₹1,42,69,406 | ₹3,19,32,967 |
| 13 | ₹1,54,58,524 | ₹3,72,52,183 |
| 14 | ₹1,66,47,641 | ₹4,32,46,008 |
| 15 | ₹1,78,36,758 | ₹5,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.