To reach ₹50 lakh in 15 years, invest about ₹10,000 a month at a 12% yearly return. At 10% you would need about ₹12,000 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹5,800 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹1,18,912 | ₹1,26,932 |
| 2 | ₹2,37,823 | ₹2,69,961 |
| 3 | ₹3,56,735 | ₹4,31,131 |
| 4 | ₹4,75,647 | ₹6,12,741 |
| 5 | ₹5,94,559 | ₹8,17,383 |
| 6 | ₹7,13,470 | ₹10,47,979 |
| 7 | ₹8,32,382 | ₹13,07,821 |
| 8 | ₹9,51,294 | ₹16,00,617 |
| 9 | ₹10,70,205 | ₹19,30,547 |
| 10 | ₹11,89,117 | ₹23,02,320 |
| 11 | ₹13,08,029 | ₹27,21,243 |
| 12 | ₹14,26,941 | ₹31,93,297 |
| 13 | ₹15,45,852 | ₹37,25,218 |
| 14 | ₹16,64,764 | ₹43,24,601 |
| 15 | ₹17,83,676 | ₹50,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.