Target Wealth Milestone 2026
How to Make ₹5 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₹5 Croresin 15 Years
Fixed SIP (12% CAGR)
₹99,093
Per month for 15 years
10% Step-Up SIP
₹57,578
Starting monthly SIP
One-Time Lumpsum
₹91.35 L
Invested once at 12% CAGR
Aggressive (15% CAGR)
₹73,870
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) | ₹1.20 L | ₹2.15 Cr | ₹2.85 Cr | ₹5 Crores |
| Benchmark Index (12% CAGR) | ₹99,093 | ₹1.78 Cr | ₹3.22 Cr | ₹5 Crores |
| Growth Equity (14% CAGR) | ₹81,586 | ₹1.47 Cr | ₹3.53 Cr | ₹5 Crores |
| Aggressive Mid/Small Cap (15% CAGR) | ₹73,870 | ₹1.33 Cr | ₹3.67 Cr | ₹5 Crores |
Simulate Your Goal SIP with Live Custom Return & Duration
Loading simulator...
Explore Other Target Wealth Milestones
Frequently Asked Questions — Reaching ₹5 Crores in 15 Years
How much monthly SIP is required to build ₹5 Crores in 15 years?▼
At an expected equity return of 12% CAGR, you need a fixed monthly SIP of approximately ₹99,093 for 15 years (Total invested: ₹1.78 Cr, estimated wealth gain: ₹3.22 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 ₹57,578 per month and increase it yearly as your salary increments occur.
How much one-time lumpsum is needed today to make ₹5 Crores in 15 years?▼
A single one-time lumpsum investment of ₹91.35 L in equity mutual funds compounding at 12% CAGR will grow to ₹5 Crores in 15 years.