How much SIP do you need for ₹1 crore?
The monthly SIP needed for ₹1 crore depends mostly on time. At an assumed 12% annual return and starting from zero, it is about ₹43,041 a month over 10 years and about ₹2,833 over 30 years. Every figure below comes from the same formula as the Goal savings calculator, so you can reproduce it there.
By INDwise · Published 3 November 2026 · Editorial policy
Illustration: ₹1 crore in 15 years at an assumed 12% return
Monthly investment to aim for: ₹19,819
| Goal cost today | ₹1,00,00,000 |
|---|---|
| Amount already invested | ₹0 |
| Time period | 15 years |
| Expected annual return | 12 % |
| Annual goal-cost inflation | 0 % |
| Goal value in today’s rupees | ₹1,00,00,000 |
| Inflation-adjusted future goal | ₹1,00,00,000 |
| Projected existing savings | ₹0 |
| Additional monthly investment | ₹19,819 |
Monthly SIP for ₹1 crore, by years and assumed return
| Years | 10% a year | 12% a year | 14% a year |
|---|---|---|---|
| 10 years | ₹48,414 | ₹43,041 | ₹38,155 |
| 15 years | ₹23,928 | ₹19,819 | ₹16,317 |
| 20 years | ₹13,060 | ₹10,009 | ₹7,597 |
| 25 years | ₹7,474 | ₹5,270 | ₹3,667 |
| 30 years | ₹4,387 | ₹2,833 | ₹1,800 |
Monthly SIP from the Goal savings calculator with a ₹1 crore goal, nothing already invested and inflation set to 0. Select any amount to open it in the calculator.
Time changes the answer more than the return
Going from 10 to 20 years cuts the monthly SIP at 12% from about ₹43,041 to about ₹10,009. Raising the assumed return from 12% to 14% over 15 years moves it from about ₹19,819 to about ₹16,317. A longer horizon lowers the monthly commitment far more than a higher return assumption, and it does not depend on markets cooperating.
₹1 crore later buys less than ₹1 crore today
A fixed ₹1 crore target is worth less in 15 years than it is now. If you want ₹1 crore of today’s buying power and prices rise 6% a year, the target becomes about ₹2.40 crore, and the monthly SIP at 12% over 15 years rises to about ₹47,496. Enter your own inflation rate in the Goal savings calculator to see the effect on your goal.
Money you already have lowers the monthly amount
Savings that are already invested keep growing towards the goal, so the SIP only has to cover the rest. Enter them as the amount already invested in the Goal savings calculator. A step-up SIP, which raises the monthly amount each year, can also start lower than a flat SIP for the same goal.
What the table assumes
Each SIP is invested at the start of the month. The annual return is divided by 12 and compounded monthly, and it stays constant for the whole period. Real mutual fund returns vary from year to year and can be negative. Taxes, exit loads and fund expenses are excluded.
Questions about this example.
How much SIP is needed for ₹1 crore in 10 years?
About ₹43,041 a month at an assumed 12% annual return, ₹48,414 at 10% or ₹38,155 at 14%, starting from zero and before tax. At 12% you would put in about ₹51.6 lakh yourself over the 10 years.
How much SIP is needed for ₹1 crore in 15 years?
About ₹19,819 a month at an assumed 12% return, ₹23,928 at 10% or ₹16,317 at 14%. These are illustrations with constant returns, not forecasts.
Is ₹10,000 a month enough for ₹1 crore?
At an assumed 12% annual return, ₹10,000 a month projects about ₹99,91,479 after 20 years, just short of ₹1 crore; about ₹10,009 a month gets there. If actual returns are lower, it would take longer.
How much SIP for ₹1 crore in today’s money?
With 6% annual inflation, ₹1 crore of today’s buying power is about ₹2.40 crore in 15 years. Reaching that at an assumed 12% return takes about ₹47,496 a month. Change the inflation rate in the Goal savings calculator to match your own assumption.
Is this financial advice?
No. The figures show what a formula produces under constant assumed returns. They do not recommend a fund, a return assumption or an amount for you.
Assumptions and references
Constant returns and goal-cost inflation. Contributions begin this month. Taxes and fees excluded; education or healthcare costs may inflate differently.
Examples are computed from the same calculator functions as the interactive tools. Software checks do not constitute a personalised tax or investment review.