To build ₹1 crore in 15 years, you need to invest about ₹19,819 per month. At an assumed 12% annual return you'd invest ₹35,67,352 of your own money; the remaining ₹64,32,648 comes from compounding.
Want to accumulate ₹1 crore through mutual funds? Starting early is everything. With an assumed 12% annual return — roughly the long-term average for Indian equity funds — you'd need about ₹19,819 a month for 15 years. The table below shows how the required monthly amount drops sharply the longer you stay invested, because compounding does more of the work.
| Target corpus | ₹1,00,00,000 |
| Assumed annual return | 12% |
| Investment period | 15 years |
| Required monthly SIP | ₹19,819 |
| Total you invest | ₹35,67,352 |
| Wealth gained (compounding) | ₹64,32,648 |
| Time horizon | Monthly SIP needed | You invest |
|---|---|---|
| 10 years | ₹43,041 | ₹51,64,865 |
| 15 years | ₹19,819 | ₹35,67,352 |
| 20 years | ₹10,009 | ₹24,02,047 |
| 25 years | ₹5,270 | ₹15,80,915 |
The required SIP is derived from the future-value-of-annuity formula solved for the monthly amount: P = FV × i ÷ [((1+i)ⁿ − 1) × (1+i)], where FV is your goal, i is the monthly return (12% ÷ 12), and n is the number of months. The 12% assumption is a long-term equity estimate, not a guarantee — mutual funds are market-linked and returns vary year to year. Also remember inflation: ₹1 crore will buy less in 15 years than today. Use the interactive SIP calculator to try different returns, amounts and step-up plans.
To reach ₹1 crore in 15 years at 12% returns, you need about ₹19,819 per month. Over a longer 20-year horizon it drops to about ₹10,009, and over 25 years to about ₹5,270.
Yes — disciplined monthly SIPs plus long-term compounding make ₹1 crore very achievable. The earlier you start, the less you need to invest each month, because more of the corpus comes from returns rather than your own contributions.
A 10–12% long-term annual return is a reasonable planning assumption for diversified equity mutual funds in India, though actual returns vary. Use a conservative figure if you want a safety margin, and review your SIP annually.