How Much SIP Do You Need for ₹1 Crore?
To reach ₹1 crore with a SIP, you need a higher monthly amount for a shorter timeline or a lower amount if you start earlier. At 12% annual return, roughly ₹43,000/month for 10 years, ₹26,000/month for 15 years, or ₹15,000/month for 20 years can illustrate the target — use the SIP calculator with your exact rate and years.
This guide uses India-specific examples (₹ amounts, tax and investment rules). Linked India-only calculators need INR selected in the currency menu.
Why timeline matters more than return guesses
A 5-year SIP needs a much larger monthly contribution than a 20-year SIP for the same ₹1 crore goal. Starting early gives compounding more time to work.
Do not chase the highest return assumption. Use a conservative rate (e.g. 10%) for planning and a higher rate (12%) only as an optimistic case.
Quick reference (12% annual return)
10 years: about ₹43,000/month invested → ~₹1 crore maturity.
15 years: about ₹26,000/month.
20 years: about ₹15,000/month.
These are illustrations. Run your numbers in the SIP calculator with your expected return.