To reach ₹50 lakh in 30 years, invest about ₹1,500 a month at a 12% yearly return. At 10% you would need about ₹2,200 a month.
If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹600 a month reaches the same goal.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹16,998 | ₹18,144 |
| 2 | ₹33,995 | ₹38,589 |
| 3 | ₹50,993 | ₹61,627 |
| 4 | ₹67,990 | ₹87,587 |
| 5 | ₹84,988 | ₹1,16,839 |
| 6 | ₹1,01,985 | ₹1,49,801 |
| 7 | ₹1,18,983 | ₹1,86,944 |
| 8 | ₹1,35,981 | ₹2,28,797 |
| 9 | ₹1,52,978 | ₹2,75,958 |
| 10 | ₹1,69,976 | ₹3,29,100 |
| 11 | ₹1,86,973 | ₹3,88,982 |
| 12 | ₹2,03,971 | ₹4,56,459 |
| 13 | ₹2,20,969 | ₹5,32,493 |
| 14 | ₹2,37,966 | ₹6,18,171 |
| 15 | ₹2,54,964 | ₹7,14,714 |
| 16 | ₹2,71,961 | ₹8,23,502 |
| 17 | ₹2,88,959 | ₹9,46,087 |
| 18 | ₹3,05,956 | ₹10,84,218 |
| 19 | ₹3,22,954 | ₹12,39,868 |
| 20 | ₹3,39,952 | ₹14,15,258 |
| 21 | ₹3,56,949 | ₹16,12,892 |
| 22 | ₹3,73,947 | ₹18,35,591 |
| 23 | ₹3,90,944 | ₹20,86,534 |
| 24 | ₹4,07,942 | ₹23,69,303 |
| 25 | ₹4,24,940 | ₹26,87,934 |
| 26 | ₹4,41,937 | ₹30,46,975 |
| 27 | ₹4,58,935 | ₹34,51,552 |
| 28 | ₹4,75,932 | ₹39,07,439 |
| 29 | ₹4,92,930 | ₹44,21,144 |
| 30 | ₹5,09,927 | ₹50,00,000 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.