Target Wealth Milestone 2026
How to Make ₹2 Crores 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₹2 Croresin 20 Years
Fixed SIP (12% CAGR)
₹20,017
Per month for 20 years
10% Step-Up SIP
₹10,056
Starting monthly SIP
One-Time Lumpsum
₹20.73 L
Invested once at 12% CAGR
Aggressive (15% CAGR)
₹13,193
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) | ₹26,120 | ₹62.69 L | ₹1.37 Cr | ₹2 Crores |
| Benchmark Index (12% CAGR) | ₹20,017 | ₹48.04 L | ₹1.52 Cr | ₹2 Crores |
| Growth Equity (14% CAGR) | ₹15,194 | ₹36.47 L | ₹1.64 Cr | ₹2 Crores |
| Aggressive Mid/Small Cap (15% CAGR) | ₹13,193 | ₹31.66 L | ₹1.68 Cr | ₹2 Crores |
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Frequently Asked Questions — Reaching ₹2 Crores in 20 Years
How much monthly SIP is required to build ₹2 Crores in 20 years?▼
At an expected equity return of 12% CAGR, you need a fixed monthly SIP of approximately ₹20,017 for 20 years (Total invested: ₹48.04 L, estimated wealth gain: ₹1.52 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 ₹10,056 per month and increase it yearly as your salary increments occur.
How much one-time lumpsum is needed today to make ₹2 Crores in 20 years?▼
A single one-time lumpsum investment of ₹20.73 L in equity mutual funds compounding at 12% CAGR will grow to ₹2 Crores in 20 years.