How to create a corpus of Rs 100 crore in 25 years?

I am a 27-year-old NRI working in the US. I want to create wealth by investing in mutual funds. I am currently investing in the following schemes:

Canara Robeco Emerging Equities Fund
Principal Emerging Bluechip Fund
SBI Small Cap Fund
ICICI Prudential Value Discovery Fund

Present value of my investments in these schemes is Rs 20 lakh. And I can invest Rs 30 lakh in the next one year.

My target is to create Rs 100 crore. What should be the process to achieve my target amount in the next 20 to 25 years? Do you believe that my expectations can be met?

-- P S

Tarun Vohra, Founding CEO, Integra Profit, responds:

You are investing in two large and midcap funds, one smallcap fund, and one value fund. You should invest 50 per cent of your investments in a largecap fund and replace Principal Emerging Bluechip Fund with Invesco India Growth Opportunities Fund or Mirae Asset India Equity Fund. Invest 25 per cent in smallcap fund. You can keep SBI Small Cap Fund. And invest the rest (25 per cent) in a value fund. But you should switch from ICICI Prudential Value Discovery Fund to Invesco India Contra Fund.

Refer to the table for more details:

Investment (Rs)	Return (%)	Tenure (years)	Maturity (Rs)
20 lakh - existing	15	25	6.5 crore
30 lakh - proposed	15	24	8.5 crore

Current investment: Rs 20 lakh + Rs 30 lakh
Next year your investments will become: Rs 15 crore
Your target: Rs 100 crore
Deficit: Rs 85 crore

You need to invest Rs 2.5 lakh per month for 25 years to create Rs 85 crore. Then you will reach your goal of Rs 100 crore in 25 years.