How Much SIP Is Needed to Make ₹1 Crore?

Everyone dreams of becoming a crorepati, but the biggest myth is that you need a huge salary or big lump sum investment.
The truth is — Systematic Investment Plan (SIP) can help you build ₹1 Crore with small, disciplined monthly investments.

Let’s break it down step by step.

What Is SIP?

SIP (Systematic Investment Plan) is a way of investing a fixed amount every month in mutual funds.
It helps you:

• Invest with discipline

• Reduce market risk

• Benefit from compounding

Key Factors That Decide Your SIP Amount

To calculate how much SIP is needed for ₹1 Crore, we need to know:

1. Time period (Years)

2. Expected annual return

3. Monthly investment capacity

Most equity mutual funds give 10%–14% annual return over the long term.

SIP Required to Make ₹1 Crore (12% Return)

📊 SIP Calculator Table

Investment Period Monthly SIP Required

10 Years ₹43,000

15 Years ₹21,000

20 Years ₹12,500

25 Years ₹7,000

30 Years ₹4,000

👉 Longer time = Lower SIP

Example: ₹10,000 SIP – How Long Will It Take?

Let’s assume:

• Monthly SIP: ₹10,000

• Expected return: 12%

Years Total Investment Final Value

15 ₹18,00,000 ₹50–55 Lakhs

20 ₹24,00,000 ₹1 Crore (Approx)

✅ Result: ₹10,000 SIP can make you a crorepati in about 20 years.

Power of Compounding (Most Important)

Albert Einstein called compounding the 8th wonder of the world.

Example:

• You invest ₹12,500 per month for 20 years

• Total investment: ₹30 Lakhs

• Final value: ₹1 Crore+

👉 Your money works harder in later years, not at the beginning.

Best Mutual Funds for ₹1 Crore Goal

For long-term SIP goals, consider:

• Large Cap Mutual Funds

• Flexi Cap Funds

• Index Funds

• Hybrid Equity Funds (for conservative investors)

⚠️ Fund selection should match your risk profile & goal duration.

When Should You Start SIP?

The best time to start SIP was yesterday.
The second-best time is today.

Even delaying by 5 years can double your SIP amount.

Common Mistakes to Avoid

❌ Stopping SIP during market falls
❌ Expecting short-term returns
❌ Not increasing SIP with income growth
❌ Random fund selection without planning

Increase SIP with Income (SIP Step-Up Strategy)

If you increase your SIP by 10% every year, you can reach ₹1 Crore faster with lower pressure.

Example:

• Start SIP: ₹7,000

• Annual increase: 10%

• Time: 18–20 years

• Goal achieved: ₹1 Crore+

Final Thoughts

You don’t need a big salary to make ₹1 Crore.
You need:

• Discipline

• Time

• Right SIP planning

₹4,000–₹12,500 monthly SIP is enough if you start early.

👉 Want to Calculate Your Exact SIP?

Get a personal SIP plan based on your income & goals.

Start your SIP planning today and let compounding do the magic.