To reach ₹5 crore in 30 years, invest about ₹14,200 a month at a 12% yearly return. At 10% you would need about ₹22,000 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹5,700 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹1,69,976 | ₹1,81,440 |
| 2 | ₹3,39,952 | ₹3,85,890 |
| 3 | ₹5,09,927 | ₹6,16,271 |
| 4 | ₹6,79,903 | ₹8,75,869 |
| 5 | ₹8,49,879 | ₹11,68,391 |
| 6 | ₹10,19,855 | ₹14,98,012 |
| 7 | ₹11,89,831 | ₹18,69,437 |
| 8 | ₹13,59,807 | ₹22,87,968 |
| 9 | ₹15,29,782 | ₹27,59,579 |
| 10 | ₹16,99,758 | ₹32,91,002 |
| 11 | ₹18,69,734 | ₹38,89,823 |
| 12 | ₹20,39,710 | ₹45,64,590 |
| 13 | ₹22,09,686 | ₹53,24,934 |
| 14 | ₹23,79,662 | ₹61,81,708 |
| 15 | ₹25,49,637 | ₹71,47,143 |
| 16 | ₹27,19,613 | ₹82,35,020 |
| 17 | ₹28,89,589 | ₹94,60,866 |
| 18 | ₹30,59,565 | ₹1,08,42,180 |
| 19 | ₹32,29,541 | ₹1,23,98,680 |
| 20 | ₹33,99,516 | ₹1,41,52,583 |
| 21 | ₹35,69,492 | ₹1,61,28,924 |
| 22 | ₹37,39,468 | ₹1,83,55,915 |
| 23 | ₹39,09,444 | ₹2,08,65,344 |
| 24 | ₹40,79,420 | ₹2,36,93,031 |
| 25 | ₹42,49,396 | ₹2,68,79,341 |
| 26 | ₹44,19,371 | ₹3,04,69,753 |
| 27 | ₹45,89,347 | ₹3,45,15,521 |
| 28 | ₹47,59,323 | ₹3,90,74,392 |
| 29 | ₹49,29,299 | ₹4,42,11,443 |
| 30 | ₹50,99,275 | ₹5,00,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.