To reach ₹50 lakh in 20 years, invest about ₹5,100 a month at a 12% yearly return. At 10% you would need about ₹6,600 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹2,600 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹60,051 | ₹64,101 |
| 2 | ₹1,20,102 | ₹1,36,332 |
| 3 | ₹1,80,154 | ₹2,17,724 |
| 4 | ₹2,40,205 | ₹3,09,438 |
| 5 | ₹3,00,256 | ₹4,12,784 |
| 6 | ₹3,60,307 | ₹5,29,236 |
| 7 | ₹4,20,358 | ₹6,60,458 |
| 8 | ₹4,80,409 | ₹8,08,322 |
| 9 | ₹5,40,461 | ₹9,74,938 |
| 10 | ₹6,00,512 | ₹11,62,686 |
| 11 | ₹6,60,563 | ₹13,74,245 |
| 12 | ₹7,20,614 | ₹16,12,635 |
| 13 | ₹7,80,665 | ₹18,81,259 |
| 14 | ₹8,40,716 | ₹21,83,951 |
| 15 | ₹9,00,768 | ₹25,25,032 |
| 16 | ₹9,60,819 | ₹29,09,370 |
| 17 | ₹10,20,870 | ₹33,42,452 |
| 18 | ₹10,80,921 | ₹38,30,460 |
| 19 | ₹11,40,972 | ₹43,80,360 |
| 20 | ₹12,01,023 | ₹50,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.