How Much SIP Do You Need to Become a Crorepati?
Last updated: 1 July 2026
Reaching ₹1 crore is a realistic goal with disciplined SIP investing — and the earlier you start, the smaller the monthly amount needs to be. Here's the maths, simply.
Time is your biggest lever
At a 12% assumed annual return, the monthly SIP needed for ₹1 crore drops sharply the longer you invest: roughly ₹43,000/month over 10 years, about ₹20,000 over 15 years, around ₹10,000 over 20 years, and only about ₹5,000 over 25 years.
Why the huge difference?
Compounding rewards time exponentially. Over longer periods, your returns start earning returns, so a much smaller monthly amount snowballs to the same target.
The takeaway
- Start as early as you can — even a small SIP.
- Increase it every year with a step-up SIP.
- Use our Goal SIP calculator to get the exact monthly amount for your target and time frame.