To build ₹50 lakh in 15 years, you need to invest about ₹9,909 per month. At an assumed 12% annual return you'd invest ₹17,83,676 of your own money; the remaining ₹32,16,324 comes from compounding.
Want to accumulate ₹50 lakh 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 ₹9,909 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 | ₹50,00,000 |
| Assumed annual return | 12% |
| Investment period | 15 years |
| Required monthly SIP | ₹9,909 |
| Total you invest | ₹17,83,676 |
| Wealth gained (compounding) | ₹32,16,324 |
| Time horizon | Monthly SIP needed | You invest |
|---|---|---|
| 10 years | ₹21,520 | ₹25,82,433 |
| 15 years | ₹9,909 | ₹17,83,676 |
| 20 years | ₹5,004 | ₹12,01,023 |
| 25 years | ₹2,635 | ₹7,90,458 |
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. For a ₹50 lakh goal specifically, starting just 5 years earlier (a 20-year horizon instead of 15) cuts the required monthly SIP by ₹4,905 — about 49% less — which is the real, compounding-driven cost of delaying a goal this size. A goal this size is realistic even without increasing your SIP over time — a flat monthly amount for 15 years gets you there, which makes it a solid near-to-medium-term target rather than a lifetime one. Also remember inflation: ₹50 lakh will buy less in 15 years than today. Use the interactive SIP calculator to try different returns, amounts and step-up plans.
To reach ₹50 lakh in 15 years at 12% returns, you need about ₹9,909 per month. Over a longer 20-year horizon it drops to about ₹5,004, and over 25 years to about ₹2,635.
Yes — disciplined monthly SIPs plus long-term compounding make ₹50 lakh 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.