Target Wealth Milestone 2026
How to Make ₹1 Crore in 20 Years
Exact monthly SIP calculations across 10%, 12%, 14%, and 15% CAGR scenarios, 10% annual Step-Up SIP roadmap, and lumpsum alternatives.
Target Corpus₹1 Crorein 20 Years
Fixed SIP (12% CAGR)
₹10,009
Per month for 20 years
10% Step-Up SIP
₹5,028
Starting monthly SIP
One-Time Lumpsum
₹10.37 L
Invested once at 12% CAGR
Aggressive (15% CAGR)
₹6,597
Per month in flexi/mid caps
Monthly SIP Amount by Expected Annual Return Rate
| Return Expectation | Required Monthly SIP | Total Invested | Estimated Wealth Gain | Target Maturity Corpus |
|---|---|---|---|---|
| Conservative (10% CAGR) | ₹13,060 | ₹31.34 L | ₹68.66 L | ₹1 Crore |
| Benchmark Index (12% CAGR) | ₹10,009 | ₹24.02 L | ₹75.98 L | ₹1 Crore |
| Growth Equity (14% CAGR) | ₹7,597 | ₹18.23 L | ₹81.77 L | ₹1 Crore |
| Aggressive Mid/Small Cap (15% CAGR) | ₹6,597 | ₹15.83 L | ₹84.17 L | ₹1 Crore |
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Frequently Asked Questions — Reaching ₹1 Crore in 20 Years
How much monthly SIP is required to build ₹1 Crore in 20 years?▼
At an expected equity return of 12% CAGR, you need a fixed monthly SIP of approximately ₹10,009 for 20 years (Total invested: ₹24.02 L, estimated wealth gain: ₹75.98 L).
Can I start with a lower SIP using Step-Up SIP?▼
Yes! By opting for a 10% annual Step-Up SIP, you can start with just ₹5,028 per month and increase it yearly as your salary increments occur.
How much one-time lumpsum is needed today to make ₹1 Crore in 20 years?▼
A single one-time lumpsum investment of ₹10.37 L in equity mutual funds compounding at 12% CAGR will grow to ₹1 Crore in 20 years.