How to Build a ₹1 Crore Corpus
What monthly SIP you need to reach ₹1 crore at different return rates and time periods, and why starting early matters most.
₹1 crore sounds large, but regular investing over a long period gets you there with surprisingly modest monthly amounts. What matters most is time, then the amount, then the return.
The idea
With compounding, returns earn their own returns. A person investing for 25 years needs a much smaller monthly SIP than one investing for 10 years, even at the same return. Plug in your own figures in the SIP calculator.
Rough monthly SIP for ₹1 crore
These are approximate, assuming a steady annual return, which real markets do not deliver every year:
| Years | At 8% | At 10% | At 12% |
|---|---|---|---|
| 10 | ~₹54,000 | ~₹49,000 | ~₹43,000 |
| 15 | ~₹29,000 | ~₹24,000 | ~₹20,000 |
| 20 | ~₹17,000 | ~₹13,000 | ~₹10,000 |
| 25 | ~₹10,400 | ~₹7,500 | ~₹5,300 |
Make it easier
- Start now: each year of delay raises the required SIP noticeably.
- Step up: raising your SIP as your pay grows can cut the time sharply. See the step-up SIP guide.
- Keep costs low: a lower expense ratio, such as in direct plans, adds up over decades.
- Stay invested: pausing during market falls tends to hurt the final result.
Adjust for inflation
₹1 crore in 20 years will buy much less than it does today. See how inflation affects savings and set a target in today's money, then inflate it.
Illustrative figures only. Market returns are not guaranteed and can be negative in any year. Not investment advice.
Frequently asked questions
How much SIP do I need for 1 crore in 10 years?
Around ₹43,000–54,000 a month at 8–12% assumed annual returns, but real returns vary.
Is it realistic to assume 12% returns?
Long-term equity returns have sometimes been in that range, but they are not assured. Plan with a lower rate as well to be safe.
More guides
Calculators
Last reviewed: October 2026. General education, not financial advice.