The monthly SIP you need for ₹1 crore depends on two things: how long you invest and the return you earn. Time matters more than most people expect. The table below shows the monthly amount needed, with no step-up and returns compounded monthly.
| Years | 8% a year | 10% a year | 12% a year | 15% a year |
|---|---|---|---|---|
| 5 | ₹1,35,196 | ₹1,28,070 | ₹1,21,232 | ₹1,11,505 |
| 10 | ₹54,299 | ₹48,414 | ₹43,041 | ₹35,886 |
| 15 | ₹28,707 | ₹23,928 | ₹19,819 | ₹14,774 |
| 20 | ₹16,865 | ₹13,060 | ₹10,009 | ₹6,597 |
| 25 | ₹10,445 | ₹7,474 | ₹5,270 | ₹3,045 |
| 30 | ₹6,665 | ₹4,387 | ₹2,833 | ₹1,427 |
How to read the table
Pick your number of years in the left column and your expected yearly return across the top. For example, ₹1 crore in 10 years at 12% needs about ₹43,000 a month. Waiting until 20 years brings the same goal down to roughly ₹10,000 a month. Starting early is worth more than investing more later.
Which return should I assume?
Equity mutual funds have historically earned varying returns over long periods, but none of it is guaranteed. A cautious plan uses 10% to 12% for equity and 6% to 7% for debt. If you are unsure, use the lower figure: reaching your goal early is better than falling short.
Two things that make the number smaller
- Step-up: raising your SIP by 8% to 10% a year as your salary grows reduces the starting amount a lot.
- A lump sum today: any money you already hold also grows toward the target.
Two things that make it bigger
- Inflation: ₹1 crore in 20 years buys much less than ₹1 crore today. Our calculator can show the target in today's rupees.
- Tax: equity gains above ₹1.25 lakh a year are taxed at 12.5% when sold after a year.
Try your own mix of amount, years, step-up and tax in the SIP calculator, or see how SIP fits into a full plan with the FIRE calculator.
Frequently asked questions
How much SIP per month for ₹1 crore in 10 years?
About ₹43,000 a month at 12% a year, about ₹54,000 at 8% and about ₹36,000 at 15%. See the table for other returns.
Is a 12% return realistic?
It is a common planning assumption for equity over long periods, but returns vary year to year and are not guaranteed. Use a lower figure if you want a safety margin.
Should I increase my SIP every year?
If your income grows, yes. A yearly step-up of 8% to 10% lets you start with a much smaller amount for the same goal.
Last updated 2026-10-02. This guide gives general information for salaried individuals, not tax advice. Check the latest rules or ask a chartered accountant before you act.