How Much SIP to Reach ₹1 Crorein 10, 15 & 20 Years?
₹1 Crore (One Crore Rupees) is the most common wealth goal for Indian investors. This guide gives you the exact monthly SIP amount needed at 10%, 12%, and 15% annual returns — and shows how a step-up SIP can cut that amount significantly.
By Rajat · Updated 2024
Quick Answer — SIP for ₹1 Crore at 12% p.a.
10 Years
₹43,000/mo
15 Years
₹16,800/mo
20 Years
₹8,000/mo
Assuming 12% p.a. annualised return. No step-up. Regular monthly SIP.
Monthly SIP Required for ₹1 Crore
All figures assume no step-up, lump sum ₹0, SIP invested at the start of each month.
| Duration | At 10% p.a. | At 12% p.a. | At 15% p.a. |
|---|---|---|---|
| 10 Years | ₹48,200 | ₹43,000 | ₹36,200 |
| 15 Years | ₹20,200 | ₹16,800 | ₹12,800 |
| 20 Years | ₹10,400 | ₹8,000 | ₹5,600 |
| 25 Years | ₹5,800 | ₹4,100 | ₹2,700 |
| 30 Years | ₹3,300 | ₹2,200 | ₹1,300 |
Values are approximate. Use our calculator for precise results.
Step-Up SIP: Lower Starting SIP, Same ₹1 Crore Goal
A step-up SIP increases your monthly SIP by a fixed percentage each year — matching your salary hikes. The result: you start with a lower SIP but still reach the same goal. Below is a comparison for a 12% return, 10-year target of ₹1 Crore:
Regular SIP (no step-up)
5% annual step-up SIP
10% annual step-up SIP
A 10% annual step-up allows you to start with just ₹24,000/month instead of ₹43,000 — a 44% reduction in starting SIP amount, while still reaching ₹1 Crore in 10 years.
The Biggest Factor: Time
The table above shows that extending your SIP from 10 to 20 years at 12% reduces your required SIP from ₹43,000 to just ₹8,000/month — a 5x reduction. This is the power of compounding. The longer you invest, the less you need to invest each month.
💡 Key insight
Starting a ₹8,000/month SIP at age 25 will reach ₹1 Crore by age 45. Waiting until 35 requires ₹43,000/month for the same goal. 15 years of delay costs ₹35,000/month extra.
Disclaimer: These figures assume a constant annual return rate, which real markets do not provide. Actual SIP returns vary year to year. Consult a SEBI-registered financial adviser before making investment decisions.Read our full methodology →
Calculate Your Exact SIP Amount
Use our free interactive calculators to get precise projections with step-up, inflation, and lump sum.