How to earn ₹1 crore in 10 years: Expert explains how small monthly investments can grow into big wealth

A man claims that skipping one coffee a day can help you amass a wealth of ₹1 crore in a decade. Jugal Kagtada, a Mutual Fund Distributor and investment advisor, made the assertion in a LinkedIn post that has since gone viral, arguing that such a financial goal is not only possible but well within reach for ordinary earners—if they develop the discipline to invest consistently.

“₹1 crore isn’t some big, impossible number,” Kagtada wrote. “It’s just a small monthly habit done long enough.”

Investment scenarios that lead to ₹1 crore

To support his claim, Kagtada shared various monthly investment plans using a Systematic Investment Plan (SIP) at an assumed annual return of 12%:

• ₹5,000/month for 25 years = ₹1 crore
  
  
• ₹13,000/month for 15 years = ₹1 crore
  
  
• ₹21,000/month for 10 years = ₹1 crore
  
  

He pointed out that ₹5,000 per month amounts to just ₹166 a day—approximately the cost of a daily food delivery. “Doesn’t it look a little more achievable now?” he asked.

Compounding and consistency are key

According to Kagtada, the path to long-term wealth lies not in sudden windfalls or risky decisions but in consistent investing. The power of compounding—where investment returns generate additional returns over time—plays a critical role in wealth creation.

“People don’t fail to become wealthy because they lack income. They fail because they lack a plan—and sometimes, patience,” he explained.

Start early and ignore market noise

Kagtada’s recommendation is straightforward: begin a SIP, automate the process, and avoid reacting emotionally to market volatility. “Just start your SIP and keep going. Let compounding handle the rest,” he advised.

He also warned against pausing investments during market downturns, saying that volatility can benefit disciplined investors. “Lower prices mean you get more units for the same money. That’s how you build wealth faster,” he added.

Early action reduces financial burden

Experts consistently advise starting early, as delaying even a few years can significantly increase the monthly investment required to reach a ₹1 crore goal.

While the figure may seem daunting at first, Kagtada maintains that financial freedom is accessible to those who make consistent, small sacrifices—like skipping one food delivery a day—and redirect those savings toward disciplined investing.

“The question isn’t whether you can save ₹1 crore,” he concluded. “It’s whether you’re ready to start—and stick with it.”