SIP Needed to Reach ₹1 Crore
At 12% expected annual returns (long-term equity assumption)
Written by lemmatools Editorial Team · Last updated:
Monthly SIP for ₹1 Crore in 15 years
₹19,819
You invest ₹35.67 L; growth contributes ₹64.33 L
Target corpus
₹1.00 Cr
Assumed return
12% p.a.
In 10 years instead
₹43,041/mo
In 20 years instead
₹10,009/mo
Monthly SIP for ₹1 Crore at 12%, by timeline
| Time available | Monthly SIP needed | Total you invest |
|---|---|---|
| 5 years | ₹1,21,232 | ₹72.74 L |
| 10 years | ₹43,041 | ₹51.65 L |
| 15 years | ₹19,819 | ₹35.67 L |
| 20 years | ₹10,009 | ₹24.02 L |
| 25 years | ₹5,270 | ₹15.81 L |
How this number is worked out
Reaching ₹1 Crore needs ₹19,819 a month over 15 years at 12% — but the table shows the real story: time, not the instalment, does the heavy lifting. Give the goal 20 years and the SIP drops to ₹10,009; compress it to 10 and it jumps to ₹43,041. Every extra year you start earlier is worth more than any realistic increase in monthly saving.
Two honest caveats. First, 12% is a long-term equity assumption, not a promise — at 10% the 15-year requirement rises to ₹23,928. Second, if ₹1 Crore is a real-world goal (education, a house), inflate it first: today's ₹1 Crore cost will be much larger in future rupees. The goal SIP calculator below lets you set your own return, timeline and existing savings — and the step-up SIP calculator shows how a 10% yearly increase lets you start smaller.