How Much SIP for ₹1 Crore? Monthly Amount for 5 to 30 Years

To build ₹1 crore with a SIP, you need to invest about ₹10,009 a month for 20 years at a 12% yearly return. Give it 25 years and ₹5,270 a month is enough. Want it in 10 years? You need about ₹43,041 a month. Below are the exact amounts for 5 to 30 years, what a yearly step-up does, and whether ₹1 crore is really enough.

Monthly SIP needed for ₹1 crore

The table shows the monthly SIP that reaches ₹1 crore at three return levels. Use 10% if you want a cautious plan, 12% as a common long-term planning figure for diversified equity funds, and treat 14% as an optimistic case.

How ₹10,009 a month grows to ₹1 crore

The magic of a long SIP is that most of the final value comes from returns, not your savings. Over 20 years, you put in ₹24 lakh and the market (at an assumed 12%) adds about ₹76 lakh.

Look at the last four years: the SIP value grows by more than ₹40 lakh, even though you add less than ₹5 lakh. That is why stopping a SIP early costs you the best years.

How long will your SIP take to reach ₹1 crore?

Already know how much you can invest? Here is how long each amount takes at 12%:

See the detailed tables for a ₹5,000 SIP and a ₹10,000 SIP.

₹1 crore faster with a yearly step-up

Most people earn more each year. If you raise your SIP by 10% every year, the starting amount you need drops sharply (at 12%):

So a 25-year-old who starts with ₹5,028 and raises it by 10% every year can reach ₹1 crore by 45. Most fund houses and apps let you set an automatic annual top-up when you register the SIP.

Lump sum vs SIP for ₹1 crore

If you already have savings, a one-time investment needs far less time to grow. Here is the lump sum you would need today to reach ₹1 crore at 12%:

Many investors combine both: invest a bonus or savings as a lump sum (or spread it over 6 to 12 months) and run a monthly SIP alongside.

Is ₹1 crore enough? The inflation check

Prices rise every year. At 6% inflation, ₹1 crore in 20 years buys about what ₹31.2 lakh buys today. If you want the buying power of ₹1 crore today in 20 years, you need about ₹3.2 crore. For retirement, size the goal from your expenses: a common rule is 25 to 30 times your yearly expenses at retirement.

What if returns are lower?

Equity returns are not guaranteed. If you only want safe products such as PPF or FDs that earn around 7% to 8%, the monthly amount needed is much higher. At 8%, ₹1 crore needs about ₹54,299 a month for 10 years, ₹28,707 for 15 years and ₹16,865 for 20 years. That is why most long-term goals use at least some equity. Compare safe options in our PPF calculator.

Steps to reach ₹1 crore

1. Pick your time frame and find the monthly SIP from the tables above.
2. Start with what you can afford today and add a yearly step-up of 5% to 10%.
3. Choose low-cost diversified funds, such as a Nifty 50 index fund or a flexi-cap fund, for goals 10+ years away. Direct plans cost less than regular plans.
4. Keep going when markets fall. Lower prices mean your SIP buys more units.
5. Move to safer options in the last 2 to 3 years, such as debt funds or FDs, so a market fall does not hit you right before you need the money.

Tax on your ₹1 crore

When you redeem equity mutual funds held for more than 12 months, gains above ₹1.25 lakh a year are taxed at 12.5%. Gains on units held 12 months or less are taxed at 20%. Each SIP instalment has its own holding period. On a ₹1 crore corpus with ₹76 lakh of gains, redeeming everything in one year could cost around ₹9.7 lakh in tax including cess, so many investors withdraw gradually over several years to use the ₹1.25 lakh exemption each year.

Frequently asked questions

Related guides and calculators

• SIP of ₹10,000: returns table
• SIP of ₹5,000 for 10, 15 and 20 years
• SIP calculator with step-up
• FD vs SIP calculator
• 80C deductions list (ELSS, PPF and more)

Sources: AMFI · SEBI · Income Tax Department. Last checked 24 October 2026. Figures are estimates for guidance, not tax or financial advice. How we research and fact-check.