Target Wealth Milestone 2026
How to Make ₹2 Crores in 10 Years
Exact monthly SIP calculations across 10%, 12%, 14%, and 15% CAGR scenarios, 10% annual Step-Up SIP roadmap, and lumpsum alternatives.
Target Corpus₹2 Croresin 10 Years
Fixed SIP (12% CAGR)
₹86,081
Per month for 10 years
10% Step-Up SIP
₹59,271
Starting monthly SIP
One-Time Lumpsum
₹64.39 L
Invested once at 12% CAGR
Aggressive (15% CAGR)
₹71,773
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) | ₹96,828 | ₹1.16 Cr | ₹83.81 L | ₹2 Crores |
| Benchmark Index (12% CAGR) | ₹86,081 | ₹1.03 Cr | ₹96.70 L | ₹2 Crores |
| Growth Equity (14% CAGR) | ₹76,309 | ₹91.57 L | ₹1.08 Cr | ₹2 Crores |
| Aggressive Mid/Small Cap (15% CAGR) | ₹71,773 | ₹86.13 L | ₹1.14 Cr | ₹2 Crores |
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Frequently Asked Questions — Reaching ₹2 Crores in 10 Years
How much monthly SIP is required to build ₹2 Crores in 10 years?▼
At an expected equity return of 12% CAGR, you need a fixed monthly SIP of approximately ₹86,081 for 10 years (Total invested: ₹1.03 Cr, estimated wealth gain: ₹96.70 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 ₹59,271 per month and increase it yearly as your salary increments occur.
How much one-time lumpsum is needed today to make ₹2 Crores in 10 years?▼
A single one-time lumpsum investment of ₹64.39 L in equity mutual funds compounding at 12% CAGR will grow to ₹2 Crores in 10 years.