From 0 to Rs 1 crore: How much time can it take to reach Rs 1 crore with Rs 10,000, Rs 20,000 and Rs 30,000 monthly SIP?

Many financial planners say that building your first Rs 1 crore corpus is tough as it takes discipline and patience to reach there. Once you achieve the Rs 1 crore milestone, the impact of compounding is more visible compared to early stages of investment.

However, to achieve a Rs 1 crore corpus, the important thing is to begin from somewhere, no matter how small or big the investment amount is.

For many people seeking to reach a Rs 1 crore corpus milestone, a monthly investment can be the easiest way to begin with. They may choose a scheme which allows them to invest monthly such as the systematic investment plan (SIP) in a mutual fund. Through an SIP, they can invest in one or more mutual funds and build a corpus gradually.


What if they want to build a Rs 1 crore corpus with a Rs 10,000, Rs 20,000 or Rs 30,000 monthly SIP investment? How many years it may take? Let’s find out!

The number of years actually depends on the return you get from SIP investments. Since, the returns are not fixed, let’s assume the returns you may get from different categories of mutual funds.

If we look at the 10-year mutual fund data at Value Research, many equity fund categories have delivered over 12% annualised return in a decade. Similarly, many hybrid fund and debt fund categories have delivered 10% and 8% annualised returns, respectively. Past returns don’t guarantee future returns, but for calculation purposes, we are taking 12%, 10% and 8% annualised returns from equity, hybrid and debt funds, respectively.

How many years it may take to reach Rs 1 crore corpus?

Here is how long you may take to reach Rs 1 crore if your annualised SIP returns are 12%, 10% and 8%, respectively.

Years to reach Rs 1 crore corpus at 12% annualised SIP return

Monthly SIP amount	Years to reach Rs 1 cr
₹ 10,000	21
₹ 20,000	15
₹ 30,000	13

For a Rs 10,000 monthly SIP investment and at a 12% annualised return, an investor may take around 21 years to build a corpus of Rs 1 crore. If an investor’s monthly SIP investment is Rs 20,000 monthly, a Rs 1 crore corpus can be achieved in around 15 years. At a Rs 30,000 monthly SIP investment, the investor can reach the Rs 1 crore target in approximately 13 years.

2. Years to reach Rs 1 crore corpus at 10% annualised SIP return

Monthly SIP amount	Years to reach Rs 1 cr
₹ 10,000	23
₹ 20,000	17
₹ 30,000	14

Assuming an annualised SIP return of 10% from hybrid mutual funds, an investor investing Rs 10,000 every month may take around 23 years to accumulate a Rs 1 crore corpus.

If the monthly SIP amount is increased to Rs 20,000, the time required to reach Rs 1 crore can be reduced to 17 years.

With a monthly investment of Rs 30,000, the investor may be able to build a Rs 1 crore corpus in about 14 years.

3. Years to reach Rs 1 crore corpus at 8% annualised SIP return

Monthly SIP amount	Years to reach Rs 1 cr
₹ 10,000	26
₹ 20,000	19
₹ 30,000	15

If you make a monthly SIP of Rs 10,000 in a debut mutual fund and get an annualised return of 8%, you can reach a Rs 1 crore corpus in approximately 26 years. The time taken may reduce to around 19 years to reach Rs 1 crore if the SIP amount is Rs 20,000 per month. With a Rs 30,000 SIP a month, you can achieve the figure of Rs 1 crore in just about 15 years.

These are indicative calculations based on return assumptions. In real life investments, results may vary.

Why does starting early matter in SIP investments?

The time you give your investments can be as important as the amount you invest every month. This is because of the power of compounding.

Importance of SIP investment

An SIP is a method offered by mutual funds to invest a fixed amount periodically—such as weekly, monthly, or quarterly—rather than making a lump sum payment. You can also pick a step up SIP investment where you can increase the SIP amount periodically.

SIPs have gained popularity among Indian mutual investors as not only they help in rupee cost averaging but they also help in inculcating investment discipline among investors.

Investors can invest in SIP without timing the market and create a sizable fund in the long run.