To reach ₹50 lakh in 10 years, invest about ₹21,600 a month at a 12% yearly return. At 10% you would need about ₹24,300 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹14,900 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹2,58,243 | ₹2,75,660 |
| 2 | ₹5,16,487 | ₹5,86,281 |
| 3 | ₹7,74,730 | ₹9,36,296 |
| 4 | ₹10,32,973 | ₹13,30,702 |
| 5 | ₹12,91,216 | ₹17,75,129 |
| 6 | ₹15,49,460 | ₹22,75,920 |
| 7 | ₹18,07,703 | ₹28,40,224 |
| 8 | ₹20,65,946 | ₹34,76,096 |
| 9 | ₹23,24,189 | ₹41,92,612 |
| 10 | ₹25,82,433 | ₹50,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.