SIP Needed to Reach ₹50 Lakh
At 12% expected annual returns (long-term equity assumption)
Written by lemmatools Editorial Team · Last updated:
Monthly SIP for ₹50 Lakh in 15 years
₹9,909
You invest ₹17.84 L; growth contributes ₹32.16 L
Target corpus
₹50.00 L
Assumed return
12% p.a.
In 10 years instead
₹21,520/mo
In 20 years instead
₹5,004/mo
Monthly SIP for ₹50 Lakh at 12%, by timeline
| Time available | Monthly SIP needed | Total you invest |
|---|---|---|
| 5 years | ₹60,616 | ₹36.37 L |
| 10 years | ₹21,520 | ₹25.82 L |
| 15 years | ₹9,909 | ₹17.84 L |
| 20 years | ₹5,004 | ₹12.01 L |
| 25 years | ₹2,635 | ₹7.90 L |
How this number is worked out
Reaching ₹50 Lakh needs ₹9,909 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 ₹5,004; compress it to 10 and it jumps to ₹21,520. 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 ₹11,964. Second, if ₹50 Lakh is a real-world goal (education, a house), inflate it first: today's ₹50 Lakh 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.