How Much SIP Do You Need to Build ₹1 Crore?
The number is smaller than you think if you start early — and brutally large if you start late. Here is the monthly SIP required at different ages and returns.
"Crorepati" still carries weight in India, and a one-crore corpus is a realistic goal for most salaried earners — if they start early enough. The monthly SIP required depends almost entirely on time.
Time is the biggest lever
At a 12% assumed return, reaching ₹1 crore takes roughly ₹10,000 a month over 20 years, but nearly ₹26,000 a month if you only give it 15 years, and around ₹50,000 a month over 10 years. The earlier you start, the less you have to put in — because compounding does the heavy lifting in the final years. Plug your own age and target into the Goal Planner Calculator to get your exact number.
Why the late-start penalty is so steep
Compounding is exponential, not linear. The last five years of a long SIP often generate more wealth than the first fifteen, because they compound on the largest base. Starting at 25 instead of 35 can halve the monthly amount you need. See the effect for yourself in the SIP Calculator.
Adjust for inflation
One crore in 20 years will not buy what it does today. If the goal is real purchasing power, inflate the target — the Goal Planner does this automatically.
Bottom line
Start now, even small. A modest SIP begun today beats a large SIP begun in five years. Run your numbers and set up the auto-debit.