₹1 crore sounds like an impossible number when you are starting out. But for a consistent SIP investor, it is not a dream — it is a timeline. Here is how to get there.
How long does ₹1 crore take?
| Monthly SIP | Years to ₹1 Crore (at 12%) |
|---|---|
| ₹5,000 | ~26 years |
| ₹10,000 | ~20 years |
| ₹15,000 | ~17 years |
| ₹20,000 | ~15 years |
| ₹30,000 | ~12 years |
The milestone approach
Break it into stages: first hit ₹10 lakhs, then ₹25 lakhs, then ₹50 lakhs, then ₹1 crore. Each milestone is faster than the last because your corpus is larger and compounding accelerates.
The Step-Up SIP accelerator
If you increase your SIP by 10% every year: a ₹10,000 SIP starting at 12% step-up reaches ₹1 crore in approximately 16 years instead of 20. That 4-year difference represents over ₹1.5 crore in invested capital saved while still reaching the same milestone earlier.
The math behind this: power of compounding. Start with ₹500 if that’s all you have: start investing with ₹500/month.