How Much Should You Invest Monthly for a ₹1 Crore Corpus?

Introduction

Building a ₹1 crore investment corpus is a common financial milestone for Indian investors. Whether the goal is retirement, children’s education, or long-term wealth creation, Systematic Investment Plans (SIPs) remain one of the most effective ways to reach this target. The key question most investors ask is simple: how much should you invest every month to accumulate ₹1 crore? The answer depends on three factors — time horizon, expected returns, and consistency.

This article explains the monthly SIP required for different time periods using updated 2025 assumptions.

Key Assumptions Used

The calculations below are based on realistic long-term equity mutual fund assumptions.

• Investment via monthly SIP
• Expected annual return: 12% (equity-oriented mutual funds)
• Compounding frequency: Monthly
• Investment discipline maintained throughout the period

Actual returns may vary depending on market conditions and fund selection.

Monthly SIP Required to Build ₹1 Crore

The longer your investment horizon, the lower the monthly SIP needed. Time plays a critical role through the power of compounding.

SIP Requirement Table

Table: Monthly SIP Needed to Accumulate ₹1 Crore

What These Numbers Tell You

The table highlights one crucial insight — starting early matters more than investing aggressively later. An investor who begins 25 years in advance needs to invest nearly one-eighth of what a 10-year investor must commit monthly.

Time allows compounding to work in your favour, significantly reducing the burden on monthly cash flows.

Can SIP Top-Ups Reduce the Monthly Burden?

Yes. A SIP top-up strategy can meaningfully lower the initial SIP amount.

For example, instead of investing a fixed ₹10,000 per month for 20 years, an investor can start with ₹6,000–₹7,000 and increase the SIP by 8–10% annually. This aligns investments with income growth and often results in a similar or even higher corpus.

SIP top-ups are especially useful for young professionals expecting steady salary growth.

Common Mistakes to Avoid

• Starting too late and overburdening monthly cash flow
• Underestimating inflation while setting the target
• Stopping SIPs during market corrections
• Chasing short-term returns instead of consistency

Discipline matters more than timing the market.

Takeaways

Reaching a ₹1 crore corpus is achievable for most investors with the right time horizon and SIP discipline. The earlier you start, the lower your monthly investment requirement. For those starting late, higher SIPs or SIP top-ups can bridge the gap. The key is consistency, patience, and realistic return expectations.

Want a personalised SIP plan to reach your ₹1 crore goal faster and more efficiently? Connect with CapitaGrow to build a goal-based investment strategy aligned with your income and risk profile.

Author

Rajesh Narayanan, a financial content specialist and MFD focusing on financial awareness, mutual funds, and personal finance.

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