How To Build Rs 1 Crore Wealth: Why Rs 10,000 SIP Isn’t Enough Without A Step-Up Plan
Last Updated:October 07, 2025, 17:45 IST
Can we build by investing Rs 10,000 per month for next 10-12 years?
Rs 10,000 SIP Dreaming of Rs 1 Crore? Here’s the Real Math Behind It
Mutual funds (MFs) are a great investment tool that allows investors to invest in equity market without having prior experience. It helps investors build a wealth corpus to attain financial freedom after a certain age and take retirement from the 9-to-5 grind. The target and age are totally dependent on people, as they could be different from one person to another.
A most usual target that comes to mind for people is Rs 1 crore. There’s a psychological comfort in that mark to attain in one’s life, especially for middle-class individuals, offering safety and security in terms of financial.
Then comes the most relevant question: How much do one need to save per month to build that corpus?
Can we build by investing Rs 10,000 per month for next 10-12 years?
Ravi Kumar TV, Co-founder of Gaining Ground Investment Services, told ET Wealth that building a corpus of Rs 1 crore with an SIP of Rs 10,000 per month is unrealistic.
He explained that investors would either need to raise their monthly SIP to around Rs 25,000–30,000 at 12–15% returns or extend their investment horizon to about 18 years. Kumar advised starting with Rs 10,000 monthly and increasing the SIP by at least 15% every year.
He added that splitting the amount between two funds or investing in one makes little difference—what truly matters is fund quality, consistency, and regular review.
Estimated Table
If you increase SIP by 15% every year, the total corpus grows faster.
For Rs 10,000/month, 15% annual increase, and 12% returns over 15 years — you can reach close to Rs 1 crore.
| SIP/month | Tenure | Return | Step-up | Corpus |
|---|---|---|---|---|
| Rs 10,000 | 10 yrs | 12% | No | Rs 23 lakh |
| Rs 10,000 | 12 yrs | 12% | No | Rs 30 lakh |
| Rs 10,000 | 18 yrs | 12% | No | Rs 1 crore |
| Rs 10,000 | 15 yrs | 12% | 15% yearly | Rs 1 crore |
| Rs 30,000 | 12 yrs | 12% | No | Rs 90 lakh–1 crore |
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October 07, 2025, 17:45 IST
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