SIP for ₹1 Crore in 10 Years

Aiming for ₹1 crore in 10 years is an ambitious yet achievable goal through a Systematic Investment Plan (SIP). By investing regularly in the right mutual funds, you can harness the power of compounding and rupee-cost averaging to accumulate this significant corpus.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Let’s explore how much you need to invest and which fund types can help you reach ₹1 crore in 10 years.

How Much Should You Invest Monthly to Reach ₹1 Crore?

The required monthly SIP amount depends on the expected annualized returns (CAGR) of the mutual fund:

  • 10% CAGR (Conservative Returns): ₹52,750/month

  • 12% CAGR (Moderate Returns): ₹43,750/month

  • 15% CAGR (Aggressive Returns): ₹34,200/month

You can use an SIP calculator to find the exact investment amount based on your risk appetite and goal.

Examples of SIP Plans for ₹1 Crore

Example 1: Large-Cap Fund (12% CAGR)

  • Monthly SIP Amount: ₹43,750

  • Fund Type: Large Cap (Stable and consistent returns)

  • Outcome: A disciplined investment in a large-cap fund could help you accumulate ₹1 crore in 10 years. This is ideal for individuals seeking stability in their portfolio.

Example 2: Mid-Cap Fund (14% CAGR)

  • Monthly SIP Amount: ₹38,500

  • Fund Type: Mid Cap (Balanced risk and reward)

  • Outcome: Investing in mid-cap funds offers a higher growth potential, making it a suitable option for wealth accumulation.

Example 3: Small-Cap Fund (16% CAGR)

  • Monthly SIP Amount: ₹34,200

  • Fund Type: Small Cap (High-risk, high-reward)

  • Outcome: A small-cap fund can help you achieve ₹1 crore faster, but it requires a higher risk tolerance due to market volatility.

SIP Calculator

I want to invest Pro Tip
Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth
/Month
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
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Total Wealth ₹1.03 Cr
View Plans
I want to save
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
13.06%
Equity Pension
Opportunities Fund
15.9%
Opportunities Fund
Pension Growth Super
19.1%
Pension Growth Super
Opportunities Fund
13.24%
Opportunities Fund
Multi Cap Fund
20.99%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.21%
Accelerator Mid-Cap Fund II
Multiplier
15.9%
Multiplier
Frontline Equity Fund
14.71%
Frontline Equity Fund
Pension Mid Cap Fund
18.41%
Pension Mid Cap Fund
Equity II Fund
11.24%
Equity II Fund
US Equity Fund
14.8%
US Equity Fund
Growth Opportunities Plus Fund
15.09%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.69%
Equity Top 250 Fund
Future Apex Fund
14.14%
Future Apex Fund
Pension Dynamic Equity Fund
12.11%
Pension Dynamic Equity Fund
Pension Enhanced Equity
14.5%
Pension Enhanced Equity

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹12,085

NAV

₹116.43

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.7 22.03 18.4 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,771

NAV

₹75.22

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.99 17.46 15.93 %

View Fund
Instant tax receipt
AUM (Cr)

₹36,958

NAV

₹77.96

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.5 15.86 15.9 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,352

NAV

₹70.76

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.42 17.14 15.34 %

View Fund
Instant tax receipt
AUM (Cr)

₹448

NAV

₹70.68

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.52 14.93 14.96 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,767

NAV

₹70.62

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.97 16.05 14.71 %

View Fund
Instant tax receipt
AUM (Cr)

₹237

NAV

₹51.35

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.31 16.09 14.45 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,688

NAV

₹42.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.16 14.33 14.25 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,748

NAV

₹82.43

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.29 14.13 14.21 %

View Fund
Instant tax receipt
AUM (Cr)

₹118

NAV

₹57.81

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.13 15.7 14.14 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,771

NAV

₹75.22

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.99 17.46 15.93 %

View Fund
AUM (Cr)

₹3,352

NAV

₹70.76

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.42 17.14 15.34 %

View Fund
AUM (Cr)

₹448

NAV

₹70.68

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.52 14.93 14.96 %

View Fund
AUM (Cr)

₹4,767

NAV

₹70.62

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.97 16.05 14.71 %

View Fund
AUM (Cr)

₹237

NAV

₹51.35

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.31 16.09 14.45 %

View Fund
AUM (Cr)

₹3,688

NAV

₹42.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.16 14.33 14.25 %

View Fund
AUM (Cr)

₹118

NAV

₹57.81

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.13 15.7 14.14 %

View Fund
AUM (Cr)

₹13,252

NAV

₹84.66

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.13 13.85 13.51 %

View Fund
AUM (Cr)

₹1,033

NAV

₹46.77

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.44 14.1 13.33 %

View Fund
AUM (Cr)

₹2,224

NAV

₹68.85

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.27 13.67 13.2 %

View Fund
AUM (Cr)

₹12,085

NAV

₹116.43

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.7 22.03 18.4 %

View Fund
AUM (Cr)

₹36,958

NAV

₹77.96

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.5 15.86 15.9 %

View Fund
AUM (Cr)

₹5,748

NAV

₹82.43

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.29 14.13 14.21 %

View Fund
AUM (Cr)

₹9,602

NAV

₹64.55

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 29 23.3 20.99 %

View Fund
AUM (Cr)

₹1,051

NAV

₹74.25

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.96 15.64 15.09 %

View Fund
AUM (Cr)

₹14,008

NAV

₹70.61

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.37 14.7 13.72 %

View Fund
AUM (Cr)

₹3,621

NAV

₹61.49

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.12 14.63 13.24 %

View Fund
AUM (Cr)

₹1,145

NAV

₹56.15

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.99 14.56 13.15 %

View Fund
AUM (Cr)

₹542

NAV

₹58.05

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.64 12.88 11.69 %

View Fund
AUM (Cr)

₹268

NAV

₹28.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.67 10.71 11.15 %

View Fund
AUM (Cr)

₹818

NAV

₹41.05

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.74 7.31 7.61 %

View Fund
AUM (Cr)

₹506

NAV

₹38.68

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.46 7.47 7.44 %

View Fund
AUM (Cr)

₹73

NAV

₹41.49

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.47 6.93 7.14 %

View Fund
AUM (Cr)

₹119

NAV

₹29.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.87 6.93 7.11 %

View Fund
AUM (Cr)

₹184

NAV

₹47.31

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.65 6.54 7.04 %

View Fund
AUM (Cr)

₹92

NAV

₹39.2

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.3 6.93 6.97 %

View Fund
AUM (Cr)

₹18,103

NAV

₹50.3

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.32 6.78 6.95 %

View Fund
AUM (Cr)

₹1,026

NAV

₹47.08

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.75 6.76 6.94 %

View Fund
AUM (Cr)

₹1,663

NAV

₹43.84

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.26 6.45 6.81 %

View Fund
AUM (Cr)

₹931

NAV

₹101.83

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.99 16.9 15.85 %

View Fund
AUM (Cr)

₹367

NAV

₹48.71

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.37 11.41 10.87 %

View Fund
AUM (Cr)

₹5,476

NAV

₹40.88

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.29 10.6 10.53 %

View Fund
AUM (Cr)

₹67

NAV

₹61.45

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.55 10.01 10.37 %

View Fund
AUM (Cr)

₹482

NAV

₹105.45

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.76 10.3 10.36 %

View Fund
AUM (Cr)

₹22,439

NAV

₹74.48

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.42 10.25 10.22 %

View Fund
AUM (Cr)

₹281

NAV

₹32.39

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.52 10.41 10.2 %

View Fund
AUM (Cr)

₹835

NAV

₹40.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.64 10.71 10.13 %

View Fund
AUM (Cr)

₹7,398

NAV

₹111.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.19 10.39 10 %

View Fund
AUM (Cr)

₹18

NAV

₹33.6

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.49 9.79 9.78 %

View Fund
AUM (Cr)

₹1,309

NAV

₹80.64

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund
AUM (Cr)

₹7,449

NAV

₹158.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund
AUM (Cr)

₹3,075

NAV

₹69.55

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.52 13.99 13.26 %

View Fund
View More

Why Choose SIP for ₹1 Crore?

  • Disciplined Investing: SIPs automate your savings, ensuring consistency.

  • Compounding Effect: Early investments grow exponentially over time.

  • Customizable Risk: Choose funds that align with your risk appetite and goals.

  • Rupee-Cost Averaging: Mitigates the impact of market fluctuations.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
 13.36% 13.07%
12.41%
View Plan
Opportunities Fund HDFC Life
Rating
 19.5% 15.86%
15.9%
View Plan
High Growth Fund Axis Max Life
Rating
 22.7% 22.03%
18.4%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
 16.12% 14.63%
13.24%
View Plan
Multi Cap Fund Tata AIA Life
Rating
 29% 23.3%
20.99%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
 17.29% 14.13%
14.21%
View Plan
Multiplier Birla Sun Life
Rating
 19.5% 16.12%
15.9%
View Plan
Pension Mid Cap Fund PNB MetLife
Rating
 31.41% 24.68%
18.41%
View Plan
Equity II Fund Canara HSBC Life
Rating
 13.03% 11.54%
11.24%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
 15.2% -
14.8%
View Plan
Fund rating powered by
Last updated: Nov 2025
Compare more funds

Fund Name AUM Return 3 Years Return 5 Years Return 10 Years Minimum Investment Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth ₹822.00 Crs 35.31% N/A N/A ₹500 35.07%
Bandhan Small Cap Fund Regular-Growth ₹14,062.19 Crs 29.34% 30.26% N/A ₹1,000 31.59%
Motilal Oswal Midcap Fund Regular-Growth ₹33,608.53 Crs 25.97% 33.24% 17.66% ₹500 22.31%
ICICI Prudential Infrastructure Fund-Growth ₹7,941.20 Crs 28.79% 37.23% 17.14% ₹5,000 15.97%
Canara Robeco Large Cap Fund Regular-Growth ₹16,406.92 Crs 16.08% 17.34% 13.87% ₹100 12.99%
Mirae Asset Large Cap Fund Direct- Growth ₹39,975.32 Crs 14.85% 17.48% 14.46% ₹5,000 16.26%
Kotak Midcap Fund Regular-Growth ₹57,375.20 Crs 22.42% 27.51% 18.07% ₹100 15.26%
SBI Small Cap Fund-Growth ₹35,562.96 Crs 13.89% 23.99% 18.17% ₹5,000 19.25%
SBI Gold ETF ₹8,810.86 Crs 31.81% 17.85% 15.14% ₹5,000 12.57%

Last updated: Nov 2025

Compare more funds

FAQs

  • Is it possible to achieve ₹1 crore in 10 years through SIPs?

    Yes, it’s achievable if you invest a sufficiently high monthly amount in funds with good annualized returns. Choosing funds aligned with your goals and risk profile is key.

  • Which type of fund is best for achieving ₹1 crore in 10 years?

    • Large-Cap Funds: Suitable for lower-risk investors seeking stability.

    • Mid-Cap Funds: Balance moderate risk and higher returns.

    • Small-Cap Funds: For aggressive investors aiming for maximum growth. Diversifying across these categories can help optimize risk and returns.

  • Can I start with a lower SIP amount and increase it later?

    Yes, you can start with a lower amount and use the SIP Top-Up feature to gradually increase your investment. This strategy helps if your income grows over time.

  • What factors affect achieving ₹1 crore in 10 years through SIP?

    • Investment Amount: Higher monthly contributions lead to faster corpus growth.

    • Fund Returns: Higher CAGR accelerates wealth creation.

    • Consistency: Regular investments without interruptions maximize compounding.

  • How does market volatility impact my SIP for ₹1 crore?

    SIPs benefit from rupee-cost averaging, which reduces the impact of market volatility over time. Staying invested for the full tenure minimizes risks and enhances returns.

  • Are there any tax implications on ₹1 crore earned through SIPs?

    • Equity Funds: Gains held over one year are taxed at 10% if they exceed ₹1 lakh annually.

    • Debt Funds: Gains held over three years are taxed at 20% with indexation benefits.

  • Can I withdraw my SIP investments before 10 years?

    Yes, you can withdraw your SIP investments anytime. However, early withdrawals may attract exit loads or tax implications. Remaining invested for the full term is recommended for maximum growth.

  • What is the role of compounding in achieving ₹1 crore through SIP?

    Compounding allows your returns to generate further returns, significantly accelerating your corpus growth over time. Starting early and staying consistent is crucial to maximize compounding benefits with best sip plans.

  • How do I start an SIP for ₹1 crore in 10 years?

    • Use an SIP calculator to determine your monthly investment.

    • Select funds based on your goals and risk tolerance.

    • Register with a mutual fund platform or financial advisor.

    • Set up an auto-debit for monthly investments. Consistency is the key to achieving your ₹1 crore target!

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. 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. Standard T&C Apply
^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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^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.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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