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How much monthly SIP do you need to reach ₹1 crore in 10 years?

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The Answer
₹43,500/month
at 12% p.a. expected returns

Find the exact monthly SIP amount needed to build a ₹1 crore corpus in exactly 10 years, assuming 12% annual returns from equity mutual funds.

By Aditya GuptaAccounting & Finance EducatorLast reviewed May 31, 2026Source: SEBI mutual fund norms

Why ₹1 Crore in 10 Years Matters

A ₹1 crore corpus is a milestone many salaried earners aim for — enough for a down payment on a metro home, a child’s full higher-education fund, or 15-20 years of retirement income if invested conservatively. The reverse-SIP question matters because most people start with a target and need to work backwards to a monthly commitment.

At a 12 percent expected return (the long-run average of large-cap equity funds in India), reaching ₹1 crore in 10 years needs about ₹43,500 per month through a disciplined SIP. That’s a stretch on a ₹10-12 LPA salary, which is why people often extend the timeline to 15 years or step up their SIP each year as income grows.

Three things change this number sharply: expected return assumption (10% vs 12% vs 14% gives very different SIPs), time horizon (every extra year shrinks the monthly outlay), and tax drag at withdrawal — long-term capital gains on equity above ₹1.25 lakh per year are taxed at 12.5%, which means your actual usable corpus is slightly below the headline number. The calculator below lets you flex all three.

Reverse SIP Calculator

Monthly SIP Needed—
Total Amount Invested—
Returns Earned—
Visual Breakdown

How We Calculated This

Target corpus: ₹1,00,00,000 (₹1 crore)
Expected return: 12% p.a. (equity MF historical average)
Investment tenure: 10 years (120 months)
SIP invested at beginning of each month
Returns compounded monthly
No exit load or expense ratio deducted

Related Calculators

Frequently Asked Questions

What if I can only invest ₹20,000/month?+
At ₹20,000/month with 12% returns, you accumulate about ₹46.5 lakh in 10 years — less than half the target. You’d need to either extend the tenure to ~15 years (reaching ₹1 crore at ₹20,000/month) or target a higher return.
Is 12% return realistic for equity MFs?+
Nifty 50 has delivered ~12–14% CAGR over rolling 10-year periods historically. However, returns are never guaranteed. A conservative assumption for planning is 10–11% for large-cap funds.
Does the ₹1 crore account for inflation?+
No — ₹1 crore in nominal terms will have less purchasing power in 10 years. At 6% inflation, today’s ₹1 crore is equivalent to ₹55.8 lakh in 10 years. Consider targeting ₹1.8 crore if you want real ₹1 crore buying power.
Can I start small and step up the SIP?+
Yes. A step-up SIP starting at ₹28,000/month with a 10% annual increase reaches approximately ₹1 crore in 10 years — same target with a lower initial commitment.
Which tax applies on the SIP gains?+
Equity mutual fund gains held over 1 year are taxed as LTCG at 12.5% above ₹1.25 lakh of annual gains. Short-term gains (under 1 year) are taxed at 20%.
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