Target Wealth Milestone 2026
How to Make ₹2 Crores in 15 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 15 Years
Fixed SIP (12% CAGR)
₹39,637
Per month for 15 years
10% Step-Up SIP
₹23,031
Starting monthly SIP
One-Time Lumpsum
₹36.54 L
Invested once at 12% CAGR
Aggressive (15% CAGR)
₹29,548
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) | ₹47,856 | ₹86.14 L | ₹1.14 Cr | ₹2 Crores |
| Benchmark Index (12% CAGR) | ₹39,637 | ₹71.35 L | ₹1.29 Cr | ₹2 Crores |
| Growth Equity (14% CAGR) | ₹32,634 | ₹58.74 L | ₹1.41 Cr | ₹2 Crores |
| Aggressive Mid/Small Cap (15% CAGR) | ₹29,548 | ₹53.19 L | ₹1.47 Cr | ₹2 Crores |
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Frequently Asked Questions — Reaching ₹2 Crores in 15 Years
How much monthly SIP is required to build ₹2 Crores in 15 years?▼
At an expected equity return of 12% CAGR, you need a fixed monthly SIP of approximately ₹39,637 for 15 years (Total invested: ₹71.35 L, estimated wealth gain: ₹1.29 Cr).
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 ₹23,031 per month and increase it yearly as your salary increments occur.
How much one-time lumpsum is needed today to make ₹2 Crores in 15 years?▼
A single one-time lumpsum investment of ₹36.54 L in equity mutual funds compounding at 12% CAGR will grow to ₹2 Crores in 15 years.