How to Make 1 Crore in 3 Years?

To achieve a financial objective of attaining 1 crore (10 million) within 3 years, you need meticulous planning, consistent savings, and disciplined investing. While it may seem like a challenging task, it is possible with the right approach and commitment. In this article, let us discuss how an investor can achieve the goal of making Rs 1 crore in merely 3 years.

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How to Grow Your Savings to 1 Crore?

With such a big goal, the preparation must also be the same. Follow this short guide to achieve your goal:

  • Create a detailed financial plan: Plan your expenses, savings, and investments in detail. Calculate how much you need to save and invest each month to reach your goal. 

  • Cut unnecessary expenses: Review your expenses and eliminate any unnecessary spending. Look for areas where you can reduce costs, such as dining out less, canceling subscriptions, or finding cheaper alternatives for everyday items. 

  • Invest wisely: It's important to invest your savings wisely to grow your wealth. Consider diversifying your investments across different asset classes such as stocks, mutual funds, real estate, and fixed deposits. 

  • Stay disciplined: Achieving such a significant financial goal requires discipline and perseverance. Stick to your financial plan, consistently save and invest as per your plan, and resist the temptation to deviate from your goals.

  • Re-evaluate and adjust: Regularly review your progress and adjust your financial plan as needed. If you're not on track to reach your goal, consider making necessary adjustments to your savings, investments, or expenses to get back on track.

Where to Invest in India to Make 1 Crore? 

Here are some investment options in India that could potentially help you make Rs 1 crore (10 million) in 3 years:

  • Equity Mutual Funds: It invests in stocks of companies, offering the potential for high returns. However, they also come with higher risks. By investing in well-performing equity mutual funds, you can aim for substantial growth over 3 years.

  • Systematic Investment Plans (SIPs): SIPs are a disciplined way of investing in mutual funds. By investing a fixed amount at regular intervals, such as monthly or quarterly, you can take advantage of the power of compounding and potentially earn higher returns.

  • Public Provident Fund (PPF): PPF is a government-backed long-term savings scheme that offers a fixed interest rate and tax-free returns. It has a lock-in period of 15 years, but partial withdrawals are allowed after 7 years. By investing the maximum allowable amount each year in a PPF account, you can accumulate a substantial corpus over 3 years.

  • Real Estate: Real estate can be a lucrative investment option, particularly in rapidly growing cities or areas with high demand. You can consider investing in properties with potential for appreciation in value over 3 years. Thorough research and due diligence are essential.

  • Fixed Deposits (FDs): FDs are a relatively safer investment option offered by banks and post offices, which provide fixed returns over a fixed period. You can choose FDs with higher interest rates or longer tenures to maximize returns. 

  • Stocks: Investing in individual stocks can be a high-risk, high-reward option. By carefully selecting fundamentally strong companies with growth potential, you may be able to generate substantial returns in a short period. 

  • Initial Public Offerings (IPOs): IPOs are when a company goes public and offers shares to the public for the first time. If you can identify promising IPOs and get allotment, you may be able to make significant gains if the stock performs well after listing. 

  • Small Savings Schemes: There are various small savings schemes offered by the government, such as National Savings Certificates (NSC), Kisan Vikas Patra (KVP), and Senior Citizen Savings Scheme (SCSS), which offer fixed returns over a specific period. These can be considered relatively safer investment options for conservative investors.

Monitor and Adjust Your Investment Plan

Monitoring and adjusting your investment plan is important for all investors. You must regularly analyze your investment on the below-mentioned points to keep growing.

Things To Monitor Description
Market volatility Regular monitoring helps you stay updated on the performance of your investments in the ever-changing financial markets.
Goal alignment Monitoring ensures that your investments remain aligned with your financial objectives and helps you make adjustments to stay on track towards your goals.
Risk management Regular monitoring allows you to assess and manage the risk level of your investments effectively.
Diversification Monitoring helps you maintain a diversified investment portfolio and make adjustments to optimize diversification.
Tax efficiency Monitoring allows you to identify tax-saving opportunities and make adjustments to optimize after-tax returns.
Changing circumstances Regular monitoring helps you adapt to changing personal circumstances and financial goals.
Investment opportunities Monitoring allows you to identify and evaluate new investment options and make adjustments to take advantage of opportunities.

Wrapping It Up!

Making 1 crore in 3 years may not be easy for all but consistent investment can help in the long run. It is essential to strike a balance between risk and reward, and not compromise on personal financial security, emergency funds, or long-term financial goals. Discipline in investment can go a long way in achieving the goal.


  • Is it possible to make 1 Crore in 3 years?

    Yes, it is possible to make 1 Crore in 3 years through various investment options and strategies.
  • What are some investment options that can help me make 1 Crore in 3 years?

    Some potential investment options include high-yield stocks, real estate, mutual funds, fixed deposits, and small business ventures.
  • Is it necessary to take high risks to make 1 Crore in 3 years?

    High-risk investments may offer higher returns, but they also come with increased risks. It's important to carefully assess your risk tolerance and diversify your investments to minimize risks while maximizing returns.
  • What are some tips for making 1 Crore in 3 years?

    Some tips include setting clear investment goals, creating a diversified investment portfolio, tracking and reviewing your investments regularly, minimizing unnecessary expenses, and seeking professional advice from a financial advisor.
  • What are some potential risks and challenges in trying to make 1 Crore in 3 years?

    Some potential risks and challenges include market volatility, economic conditions, regulatory changes, inflation, and unexpected events. It's important to be prepared for these risks and have contingency plans in place.

Past 5 Year annualised returns as on 01-04-2024

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

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