To build ₹5 crore in 15 years, you need to invest about ₹99,093 per month. At an assumed 12% annual return you'd invest ₹1,78,36,758 of your own money; the remaining ₹3,21,63,242 comes from compounding.
Want to accumulate ₹5 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 ₹99,093 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 | ₹5,00,00,000 |
| Assumed annual return | 12% |
| Investment period | 15 years |
| Required monthly SIP | ₹99,093 |
| Total you invest | ₹1,78,36,758 |
| Wealth gained (compounding) | ₹3,21,63,242 |
| Time horizon | Monthly SIP needed | You invest |
|---|---|---|
| 10 years | ₹2,15,203 | ₹2,58,24,326 |
| 15 years | ₹99,093 | ₹1,78,36,758 |
| 20 years | ₹50,043 | ₹1,20,10,234 |
| 25 years | ₹26,349 | ₹79,04,576 |
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: ₹5 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 ₹5 crore in 15 years at 12% returns, you need about ₹99,093 per month. Over a longer 20-year horizon it drops to about ₹50,043, and over 25 years to about ₹26,349.
Yes — disciplined monthly SIPs plus long-term compounding make ₹5 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.