How much SIP a month reaches ₹1 crore in 15 years at an expected 12% a year?
₹19,819a month for 15 years
- You invest
- ₹35,67,420
- Estimated gains
- ₹64,32,772
- Your goal
- ₹1 crore
To reach ₹1 crore in 15 years at an expected 12% a year, you need a SIP of about ₹19,819 a month. Give it 20 years and it drops to ₹10,009; in 10 years it rises to ₹43,041. A 10% yearly step-up cuts the 15-year starting SIP to about ₹11,516.
Try your own numbers- At 12% a year, ₹1 crore needs about ₹10,009 a month for 20 years or ₹19,819 for 15 years.
- Time matters more than the amount: in 30 years the SIP is only ₹2,833, in 5 years it is ₹1,21,232.
- A 10% step-up each year starts the 15-year plan at ₹11,516 instead of ₹19,819.
- ₹1 crore in 15 years is worth about ₹44.8 lakh in today’s money at 5.5% inflation, and LTCG tax takes a slice too.
How much SIP for ₹1 crore? It is the most common money question after a first salary, and the honest answer is: it depends mostly on how many years you can give it. ₹1 crore sounds like a lottery prize, but with a steady monthly SIP and enough time it is an ordinary, reachable target.
This guide gives the monthly amount for 5 to 30 years, shows how to use a SIP calculator for your own goal, and explains what step-up, tax and inflation change. The calculator beside the guide follows along: as you read each part, it switches to that part’s example. Change any number to try your own.
How much monthly SIP for 1 crore?
At an expected return of 12% a year, here is the SIP that reaches ₹1 crore, worked out with our SIP calculator:
| Years | SIP a month | You put in | Gains |
|---|---|---|---|
| 3 years | ₹2,29,845 | ₹82.7 lakh | ₹17.3 lakh |
| 5 years | ₹1,21,232 | ₹72.7 lakh | ₹27.3 lakh |
| 7 years | ₹75,770 | ₹63.6 lakh | ₹36.4 lakh |
| 10 years | ₹43,041 | ₹51.6 lakh | ₹48.4 lakh |
| 15 years | ₹19,819 | ₹35.7 lakh | ₹64.3 lakh |
| 20 years | ₹10,009 | ₹24 lakh | ₹76 lakh |
| 25 years | ₹5,270 | ₹15.8 lakh | ₹84.2 lakh |
| 30 years | ₹2,833 | ₹10.2 lakh | ₹89.8 lakh |
Read the last two columns together. In 5 years almost all of the crore is your own money. In 30 years you put in about ₹10 lakh and compounding adds the other ₹90 lakh.
Each extra year you give a SIP does more work than any extra rupee you add later.
Waiting has a price too. For the 15-year plan, starting a year later means about ₹22,914 a month instead of ₹19,819, for the same goal on a shorter road.
How to use a SIP calculator for a goal
A SIP calculator answers two questions: what a monthly amount grows to, and what monthly amount reaches a target. For a crore, use the second.
- Pick I have a goal and type the amount, ₹1 crore.
- Set the expected return. Use 10–12% for a diversified equity fund held 10 years or more; lower if you are unsure.
- Set the years until you need the money.
- Read the monthly SIP, then try a lower return to see how much room you have.
That fourth step matters. At 10% instead of 12%, the same 15-year goal needs about ₹23,928 a month. Plan with a return you would be happy to get, not the best year you remember.
11.77% a year: Nifty 50 total return over 10 years (NSE Indices, Oct 2026)
6.02% a year: the same index over the last 5 years
−8.53% over the past year, a reminder that returns arrive unevenly
Mutual fund returns are not guaranteed, and past returns do not promise future ones. A calculator assumes a smooth return every year; a real fund rises and falls on the way.
What is the formula of a SIP calculator?
For a fixed SIP paid at the start of each month, the value after n months is:
Value = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i)
Here P is the monthly SIP, i is the yearly return divided by 12 (12% gives 1% a month), and n is the number of months. For a goal, the calculator turns the formula around and solves for P. A step-up SIP has no neat formula: the calculator works it out month by month, raising P every 12 months.
Can a step-up SIP reach 1 crore faster?
Yes. If you raise your SIP by 10% every year, the 15-year crore starts at about ₹11,516 a month instead of ₹19,819. You put in more over the years (about ₹43.9 lakh against ₹35.7 lakh), but the starting amount fits a first or second salary.
Take Dinesh, 30, an accounts executive in Salem. He wants ₹1 crore by 45. A flat ₹19,819 is too much today, but ₹11,516 fits, and he plans to add 10% each April when his increment comes. Fund houses offer this as a SIP top-up: SBI Mutual Fund, for example, adds a fixed top-up yearly or half-yearly from ₹500, chosen when the SIP starts. More on this in our step-up SIP guide.
For 20 years the same 10% step-up starts at only ₹5,028 a month.
Is ₹1 crore really ₹1 crore after tax and inflation?
Two things shrink it.
Tax. Equity fund gains held over a year are taxed at 12.5% above ₹1.25 lakh of gains in a financial year; gains on units held a year or less are taxed at 20%. Each SIP instalment has its own one-year clock. If Dinesh sold the whole ₹1 crore in one year, the calculator shows about ₹92.1 lakh left after LTCG tax (before cess). Selling in parts over a few years uses the ₹1.25 lakh exemption each year.
Inflation. Retail inflation was 5.54% in September 2026. At 5.5% a year, ₹1 crore received in 15 years buys what about ₹44.8 lakh buys today. Count both together and the calculator beside this part shows about ₹41.3 lakh in today’s money. So set the goal for what you need then, not what sounds big now. Our guide on SIP returns vs inflation shows how to read the today’s-money figure.
Common mistakes on the road to a crore
- Stopping the SIP in a fall. When prices drop, the same SIP buys more units. Stopping then locks in the low point.
- Planning at 15% or more. Use a modest return and treat anything extra as a bonus.
- Breaking the goal for something else. Keep short-term money (a car, a wedding) in a separate pot.
- Moving too late to safety. In the last 2–3 years before you need the money, shift part of it to a debt fund or deposit so a fall cannot hit the whole crore.
Questions
How much SIP is needed for 1 crore in 10 years?
About ₹43,041 a month at an expected 12% a year. You would put in about ₹51.6 lakh and the gains would be about ₹48.4 lakh. With a 10% yearly step-up the starting amount is lower.
How much SIP for 1 crore in 5 years?
About ₹1,21,232 a month at 12%. In five years compounding has little time to work, so almost three-quarters of the crore is your own money. For a five-year goal, equity funds are also riskier, because a fall near the end has no time to recover.
How much SIP for 1 crore in 20 years?
About ₹10,009 a month at 12%, or about ₹5,028 to start if you raise it by 10% every year. Over 20 years you put in about ₹24 lakh with the flat SIP.
Can I become a crorepati with a ₹500 SIP?
Not within a working life. A ₹500 SIP at 12% for 40 years grows to about ₹59.4 lakh. Starting small is still worth it: raise the amount as your income grows.
Is ₹1 crore enough for retirement?
Often not on its own, once inflation is counted. At 5.5% inflation, ₹1 crore in 15 years is worth about ₹44.8 lakh in today’s money. Work out your retirement need first, then set the SIP goal from it.
How is a SIP for 1 crore taxed?
Gains on equity fund units held over a year are taxed at 12.5% above ₹1.25 lakh of gains a year, and units held a year or less at 20%. Each instalment is counted from its own purchase date. Spreading your withdrawals over a few financial years can lower the tax.
Which SIP is best for 1 crore?
No single fund is best for everyone. For a goal 10 years or more away, many people use a low-cost diversified equity fund such as a Nifty 50 index fund or a flexi-cap fund. Check the fund’s costs and risk level, or ask a SEBI-registered adviser.
Sources
Checked 18 Oct 2026NSENifty 50 return profile (total return) · NSE Indices2026
Nifty 50 total return: 11.77% a year over 10 years, 6.72% over 3 years, 6.02% over 5 years and −8.53% over the past year. We used it to keep the 12% example honest. checked 18 Oct 2026
MoFBudget speech 2024-25, paragraphs 142–143 · Ministry of Finance2024
Long-term gains taxed at 12.5% and short-term gains on listed equity at 20%, with the yearly exemption raised to ₹1.25 lakh. Explainers say Budget 2026 left these rates unchanged for 2026-27. 23 Jul 2024
MoSPIConsumer Price Index, September 2026 (press release) · Ministry of Statistics and Programme Implementation2026
Retail inflation was 5.54% in September 2026 (provisional). We used 5.5% for the today’s-money example. 12 Oct 2026
SBIMFSIP top-up · SBI Mutual Fund2026
How a fund house adds a yearly or half-yearly top-up to a SIP, from ₹500 in multiples of ₹500, chosen when you start. checked 18 Oct 2026
Founder of Elathi, Kallakurichi. Writes our guides and builds the free tools that go with them.