To reach ₹50 lakh in 25 years, invest about ₹2,700 a month at a 12% yearly return. At 10% you would need about ₹3,800 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹1,200 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹31,618 | ₹33,751 |
| 2 | ₹63,237 | ₹71,782 |
| 3 | ₹94,855 | ₹1,14,636 |
| 4 | ₹1,26,473 | ₹1,62,926 |
| 5 | ₹1,58,092 | ₹2,17,340 |
| 6 | ₹1,89,710 | ₹2,78,655 |
| 7 | ₹2,21,328 | ₹3,47,746 |
| 8 | ₹2,52,946 | ₹4,25,600 |
| 9 | ₹2,84,565 | ₹5,13,327 |
| 10 | ₹3,16,183 | ₹6,12,181 |
| 11 | ₹3,47,801 | ₹7,23,571 |
| 12 | ₹3,79,420 | ₹8,49,089 |
| 13 | ₹4,11,038 | ₹9,90,525 |
| 14 | ₹4,42,656 | ₹11,49,900 |
| 15 | ₹4,74,275 | ₹13,29,486 |
| 16 | ₹5,05,893 | ₹15,31,849 |
| 17 | ₹5,37,511 | ₹17,59,877 |
| 18 | ₹5,69,129 | ₹20,16,824 |
| 19 | ₹6,00,748 | ₹23,06,359 |
| 20 | ₹6,32,366 | ₹26,32,613 |
| 21 | ₹6,63,984 | ₹30,00,245 |
| 22 | ₹6,95,603 | ₹34,14,502 |
| 23 | ₹7,27,221 | ₹38,81,298 |
| 24 | ₹7,58,839 | ₹44,07,294 |
| 25 | ₹7,90,458 | ₹50,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.