Target Wealth Milestone 2026
How to Make ₹1 Crore in 5 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 5 Years
Fixed SIP (12% CAGR)
₹1.21 L
Per month for 5 years
10% Step-Up SIP
₹1.02 L
Starting monthly SIP
One-Time Lumpsum
₹56.74 L
Invested once at 12% CAGR
Aggressive (15% CAGR)
₹1.12 L
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) | ₹1.28 L | ₹76.84 L | ₹23.16 L | ₹1 Crore |
| Benchmark Index (12% CAGR) | ₹1.21 L | ₹72.74 L | ₹27.26 L | ₹1 Crore |
| Growth Equity (14% CAGR) | ₹1.15 L | ₹68.81 L | ₹31.19 L | ₹1 Crore |
| Aggressive Mid/Small Cap (15% CAGR) | ₹1.12 L | ₹66.90 L | ₹33.10 L | ₹1 Crore |
Simulate Your Goal SIP with Live Custom Return & Duration
Loading simulator...
Explore Other Target Wealth Milestones
Frequently Asked Questions — Reaching ₹1 Crore in 5 Years
How much monthly SIP is required to build ₹1 Crore in 5 years?▼
At an expected equity return of 12% CAGR, you need a fixed monthly SIP of approximately ₹1.21 L for 5 years (Total invested: ₹72.74 L, estimated wealth gain: ₹27.26 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 ₹1.02 L per month and increase it yearly as your salary increments occur.
How much one-time lumpsum is needed today to make ₹1 Crore in 5 years?▼
A single one-time lumpsum investment of ₹56.74 L in equity mutual funds compounding at 12% CAGR will grow to ₹1 Crore in 5 years.