How much SIP do you need per month to build a ₹1 crore corpus? Calculate with step-up SIP comparison.
Flat SIP → 1 Crore
20.1 years
₹24.10 L invested · ₹75.90 L growth
Step-Up SIP (10%/yr) → 1 Crore
15.9 years
₹42.72 L invested · ₹57.28 L growth
52/100
Step-Up Power
With 10% annual increase, you reach ₹1 crore 4.2 years faster than a flat SIP. You invest ₹-18,62,404 less of your own money — compounding does the heavy lifting.
| Milestone | Time |
|---|---|
| ₹25.00 L | 8.7 years |
| ₹50.00 L | 12.1 years |
| ₹75.00 L | 14.3 years |
| ₹1.00 Cr | 15.9 years |
Felix helps you build a personalised SIP plan based on your goals, income, and risk tolerance. Free to use.
Download Richify — It's FreeIt depends on your investment horizon and expected return. At 12% annual return, you need ~₹8,700/month for 20 years, ~₹5,200/month for 25 years, or ~₹3,200/month for 30 years. Step-up SIPs (increasing annually) can reduce the starting amount significantly.
Historically, equity mutual funds in India (like Nifty 50 index funds) have delivered 12-15% CAGR over 15-20 year periods. For conservative projections, use 10-12%. Debt mutual funds average 6-8%. A balanced approach might assume 10-12%.
That depends on your lifestyle and city. In Tier 2 cities with modest expenses, ₹1 crore can last 15-20 years. In Mumbai or Bangalore with higher costs, you might need ₹2-5 crore. Also consider inflation — ₹1 crore today will have less purchasing power in 20 years.
Step-up SIP means increasing your SIP amount by a fixed percentage every year (typically 10-15%). If you start at ₹10,000/month and increase by 10% annually, your corpus can be 2-3x larger than a flat SIP over 20 years — because your contributions grow with your income.
SIP is better for most salaried investors because it automates investing, averages out market volatility (rupee cost averaging), and aligns with monthly income. Lump sum can outperform in rising markets but requires timing. For most people, SIP is the safer, more disciplined approach.
Richify cannot recommend specific mutual fund schemes — this would require SEBI registration. However, educationally: large-cap index funds (Nifty 50) offer broad market exposure at low fees; flexi-cap funds provide flexibility; ELSS funds add Section 80C tax benefits. Consult a SEBI-registered advisor for specific recommendations.