To reach ₹5 crore in 20 years, invest about ₹50,100 a month at a 12% yearly return. At 10% you would need about ₹65,300 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹25,200 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹6,00,512 | ₹6,41,013 |
| 2 | ₹12,01,023 | ₹13,63,322 |
| 3 | ₹18,01,535 | ₹21,77,238 |
| 4 | ₹24,02,047 | ₹30,94,378 |
| 5 | ₹30,02,558 | ₹41,27,836 |
| 6 | ₹36,03,070 | ₹52,92,361 |
| 7 | ₹42,03,582 | ₹66,04,577 |
| 8 | ₹48,04,093 | ₹80,83,216 |
| 9 | ₹54,04,605 | ₹97,49,383 |
| 10 | ₹60,05,117 | ₹1,16,26,861 |
| 11 | ₹66,05,629 | ₹1,37,42,450 |
| 12 | ₹72,06,140 | ₹1,61,26,350 |
| 13 | ₹78,06,652 | ₹1,88,12,587 |
| 14 | ₹84,07,164 | ₹2,18,39,507 |
| 15 | ₹90,07,675 | ₹2,52,50,315 |
| 16 | ₹96,08,187 | ₹2,90,93,700 |
| 17 | ₹1,02,08,699 | ₹3,34,24,522 |
| 18 | ₹1,08,09,210 | ₹3,83,04,600 |
| 19 | ₹1,14,09,722 | ₹4,38,03,595 |
| 20 | ₹1,20,10,234 | ₹5,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.