SIP for ₹1 Crore in 10 Years

Aiming for ₹1 crore in 10 years is an ambitious yet achievable goal through a Systematic Investment Plan (SIP). By investing regularly in the right mutual funds, you can harness the power of compounding and rupee-cost averaging to accumulate this significant corpus.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Let’s explore how much you need to invest and which fund types can help you reach ₹1 crore in 10 years.

How Much Should You Invest Monthly to Reach ₹1 Crore?

The required monthly SIP amount depends on the expected annualized returns (CAGR) of the mutual fund:

10% CAGR (Conservative Returns): ₹52,750/month
12% CAGR (Moderate Returns): ₹43,750/month
15% CAGR (Aggressive Returns): ₹34,200/month

You can use an SIP calculator to find the exact investment amount based on your risk appetite and goal.

Examples of SIP Plans for ₹1 Crore

Example 1: Large-Cap Fund (12% CAGR)

Monthly SIP Amount: ₹43,750
Fund Type: Large Cap (Stable and consistent returns)
Outcome: A disciplined investment in a large-cap fund could help you accumulate ₹1 crore in 10 years. This is ideal for individuals seeking stability in their portfolio.

Example 2: Mid-Cap Fund (14% CAGR)

Monthly SIP Amount: ₹38,500
Fund Type: Mid Cap (Balanced risk and reward)
Outcome: Investing in mid-cap funds offers a higher growth potential, making it a suitable option for wealth accumulation.

Example 3: Small-Cap Fund (16% CAGR)

Monthly SIP Amount: ₹34,200
Fund Type: Small Cap (High-risk, high-reward)
Outcome: A small-cap fund can help you achieve ₹1 crore faster, but it requires a higher risk tolerance due to market volatility.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹22.4 L

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

16.4%

High Growth Fund

16.77%

Top 200 Fund

13.2%

Accelerator Mid-Cap Fund II

13.33%

Opportunities Fund

8.64%

Equity II Fund

11.62%

Accelerator Fund

12.67%

Grow Money Plus Fund

14.04%

Multiplier

10.82%

Equity Top 250 Fund

11.19%

Future Apex Fund

10.97%

Opportunities Fund

12.76%

Frontline Equity Fund

14.2%

Virtue II

9.39%

Pension Dynamic Equity Fund

10.45%

Equity Fund

9.07%

Blue-Chip Equity Fund

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	24.84%	18.57%	16.4% View Plan
Top 200 Fund Tata AIA Rating	24.04%	20.03%	16.77% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	17.43%	10.73%	13.2% View Plan
Opportunities Fund HDFC Standard Rating	17.56%	12.29%	13.33% View Plan
Equity II Fund Canara HSBC Oriental Bank Rating	11.56%	9.27%	8.64% View Plan
Grow Money Plus Fund Bharti AXA Rating	15.75%	13.48%	12.67% View Plan
Multiplier Birla Sun Life Rating	18.22%	11.28%	14.04% View Plan
Opportunities Fund ICICI Prudential Rating	15.71%	11.97%	10.97% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	20.71%	15.98%	14.2% View Plan

Updated as of Feb 2025

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	23.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Last updated: Feb 2025

Compare more funds

Why Choose SIP for ₹1 Crore?

Disciplined Investing: SIPs automate your savings, ensuring consistency.
Compounding Effect: Early investments grow exponentially over time.
Customizable Risk: Choose funds that align with your risk appetite and goals.
Rupee-Cost Averaging: Mitigates the impact of market fluctuations.

Start An Sip Today Watch Your Money Grow

FAQs

Is it possible to achieve ₹1 crore in 10 years through SIPs?

Yes, it’s achievable if you invest a sufficiently high monthly amount in funds with good annualized returns. Choosing funds aligned with your goals and risk profile is key.
Which type of fund is best for achieving ₹1 crore in 10 years?
- Large-Cap Funds: Suitable for lower-risk investors seeking stability.
- Mid-Cap Funds: Balance moderate risk and higher returns.
- Small-Cap Funds: For aggressive investors aiming for maximum growth. Diversifying across these categories can help optimize risk and returns.
Can I start with a lower SIP amount and increase it later?

Yes, you can start with a lower amount and use the SIP Top-Up feature to gradually increase your investment. This strategy helps if your income grows over time.
What factors affect achieving ₹1 crore in 10 years through SIP?
- Investment Amount: Higher monthly contributions lead to faster corpus growth.
- Fund Returns: Higher CAGR accelerates wealth creation.
- Consistency: Regular investments without interruptions maximize compounding.
How does market volatility impact my SIP for ₹1 crore?

SIPs benefit from rupee-cost averaging, which reduces the impact of market volatility over time. Staying invested for the full tenure minimizes risks and enhances returns.
Are there any tax implications on ₹1 crore earned through SIPs?
- Equity Funds: Gains held over one year are taxed at 10% if they exceed ₹1 lakh annually.
- Debt Funds: Gains held over three years are taxed at 20% with indexation benefits.
Can I withdraw my SIP investments before 10 years?

Yes, you can withdraw your SIP investments anytime. However, early withdrawals may attract exit loads or tax implications. Remaining invested for the full term is recommended for maximum growth.
What is the role of compounding in achieving ₹1 crore through SIP?

Compounding allows your returns to generate further returns, significantly accelerating your corpus growth over time. Starting early and staying consistent is crucial to maximize compounding benefits with best sip plans.
How do I start an SIP for ₹1 crore in 10 years?
- Use an SIP calculator to determine your monthly investment.
- Select funds based on your goals and risk tolerance.
- Register with a mutual fund platform or financial advisor.
- Set up an auto-debit for monthly investments. Consistency is the key to achieving your ₹1 crore target!