To reach ₹5 crore in 25 years, invest about ₹26,400 a month at a 12% yearly return. At 10% you would need about ₹37,400 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹11,700 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹3,16,183 | ₹3,37,508 |
| 2 | ₹6,32,366 | ₹7,17,820 |
| 3 | ₹9,48,549 | ₹11,46,365 |
| 4 | ₹12,64,732 | ₹16,29,260 |
| 5 | ₹15,80,915 | ₹21,73,399 |
| 6 | ₹18,97,098 | ₹27,86,548 |
| 7 | ₹22,13,281 | ₹34,77,460 |
| 8 | ₹25,29,464 | ₹42,55,996 |
| 9 | ₹28,45,647 | ₹51,33,271 |
| 10 | ₹31,61,830 | ₹61,21,806 |
| 11 | ₹34,78,013 | ₹72,35,712 |
| 12 | ₹37,94,196 | ₹84,90,889 |
| 13 | ₹41,10,379 | ₹99,05,254 |
| 14 | ₹44,26,562 | ₹1,14,98,996 |
| 15 | ₹47,42,745 | ₹1,32,94,864 |
| 16 | ₹50,58,928 | ₹1,53,18,493 |
| 17 | ₹53,75,111 | ₹1,75,98,769 |
| 18 | ₹56,91,294 | ₹2,01,68,241 |
| 19 | ₹60,07,477 | ₹2,30,63,586 |
| 20 | ₹63,23,660 | ₹2,63,26,134 |
| 21 | ₹66,39,843 | ₹3,00,02,455 |
| 22 | ₹69,56,027 | ₹3,41,45,024 |
| 23 | ₹72,72,210 | ₹3,88,12,976 |
| 24 | ₹75,88,393 | ₹4,40,72,940 |
| 25 | ₹79,04,576 | ₹5,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.