How to Make 1 Crore in 10 Years by SIP

How Much to Invest to Make 1 Crore in 10 Years by SIP

To achieve a target of 1 crore INR through SIP investments, understanding the required monthly investment and expected returns is crucial:

• Investment Period: 10 years
• Expected Return: 12% p.a.
• Target Amount: ₹1 crore

Use the Future Value of SIP Formula for calculation:

For Example, to find P: 

• Convert annual return to monthly:

  • r = 12%/12 = 1% = 0.01

• Total months:

  • n = 10 years × 12 = 120 months

• Rearranging the formula gives: FV × r/(1+r)ⁿ- 1

  • P = 10000000 × 0.01/(1+0.01)¹²⁰- 1 = ₹44,600

Thus, you would need to invest approximately 44,600 INR per month to reach your goal of 1 crore in 10 years at an annual return of 12%.

Best SIP Plans to Make 1 Crore in 10 Years

Details of the SIP Plans to Make 1 Crore in 10 Years

Below are the details of best SIP plans to make 1 crore in 10 years: 

1. ICICI Prudential Infrastructure Fund-Growth

   The investment objective is to generate long-term capital appreciation and periodic income by predominantly investing in equity and equity-related securities of companies aligned with the infrastructure theme in India, making it suitable for investors seeking the best SIP plan for 5 years and the best SIP plan for 10 years in the infrastructure space.

   Parameters	Details
   Fund Name	ICICI Prudential Infrastructure Fund-Growth
   NAV	₹ 195.91 (as on 5th December, 2025)
   AUM	₹7,941.20 Crs
   Expense Ratio	1.85%
   Return 5 Years	37.23%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	31st August, 2005
   Asset Allocation	Equity: 93.32%, Debt: 0.52%, Others: 5.54%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Repo NTPC Ltd Adani Ports and Special Economic Zone Ltd Vedanta Ltd Reliance Industries Ltd NCC Ltd Axis Bank Ltd Kalpataru Power Transmission Ltd AIA Engineering Ltd
   Fund Managers	Ihab Dalwai Sharmila D'Silva
   Fund Type	Open-ended

2. Motilal Oswal Midcap Fund Regular-Growth

   The investment objective is to achieve long-term capital appreciation by investing mainly in quality mid-cap companies with sustainable competitive advantages and strong growth potential, which can appeal to investors evaluating the best SIP plan for 5 years as well as the best SIP plan for 10 years in the mid-cap category.

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 102.55 (as on 5th December, 2025)
   AUM	₹33,608.53 Crs
   Expense Ratio	1.55%
   Return 5 Years	33.24%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Asset Allocation	Equity: 92.08%, Others: 7.92%
   Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
   Top Holdings	Reverse Repo/CBLO Dixon Technologies (India) Ltd Persistent Systems Ltd Coforge Ltd Zomato Ltd Kalyan Jewellers India Ltd One 97 Communications Ltd Trent Ltd Others CBLO Polycab India Ltd
   Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
   Fund Type	Open-ended

   
   
   

3. SBI PSU Fund-Growth

   The investment objective is to provide investors long-term capital growth and liquidity through an actively managed and diversified portfolio of equity stocks of domestic PSUs and their subsidiaries, along with debt and money market instruments issued by PSUs and others, positioning it as a thematic option for those comparing the best SIP plan for 5 years and the best SIP plan for 10 years in PSU-focused funds.

   Parameters	Details
   Fund Name	SBI PSU Fund-Growth
   NAV	₹ 33.30 (as on 5th December, 2025)
   AUM	₹5,278.16 Crs
   Expense Ratio	1.86%
   Return 5 Years	32.69%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	7th July, 2010
   Asset Allocation	Equity: 98.55%, Debt: 0.09%, Others: 1.36%
   Top Sectors	Industrials Energy & Utilities Financial Materials
   Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

4. HDFC Infrastructure Fund Regular-Growth

   The investment objective is to seek long-term capital appreciation by investing predominantly in equity and equity-related securities of companies engaged in, or expected to benefit from, the growth and development of infrastructure, making it a potential candidate for investors researching the best SIP plan for 5 years and the best SIP plan for 10 years within infrastructure themes.

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 47.29 (as on 6th December, 2025)
   AUM	₹2,539.90 Crs
   Expense Ratio	2.04%
   Return 5 Years	34.27%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	10th March, 2008
   Asset Allocation	Equity: 90.53%, Others: 7.05%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd Larsen & Toubro Ltd HDFC Bank Ltd J Kumar Infraprojects Ltd Kalpataru Power Transmission Ltd Interglobe Aviation Ltd NTPC Ltd Reliance Industries Ltd Bharti Airtel Ltd
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

5. Aditya Birla Sun Life PSU Equity Fund Regular-Growth

   The investment objective is to provide long-term capital appreciation by investing mainly in equity and equity-related instruments of Public Sector Undertakings (PSUs), offering a focused PSU equity exposure that investors can consider when shortlisting the best SIP plan for 5 years and the best SIP plan for 10 years in thematic PSU strategies.

   Parameters	Details
   Fund Name	Aditya Birla Sun Life PSU Equity Fund Regular-Growth
   NAV	₹ 33.98 (as on 5th December, 2025)
   AUM	₹5,418.32 Crs
   Expense Ratio	1.8%
   Return 5 Years	33.07%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	30th December, 2019
   Asset Allocation	Equity: 99.73%, Others: 0.27%
   Top Sectors	Industrials Energy & Utilities Financial Materials Unspecified
   Top Holdings	State Bank of India NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Oil & Natural Gas Corporation Ltd Bharat Electronics Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Bharat Heavy Electricals Ltd PNB Housing Finance Ltd
   Fund Managers	Dhaval Gala Dhaval Joshi
   Fund Type	Open-ended

   
   
   

6. Bandhan Infrastructure Fund Regular-Growth

   The investment objective is to seek to generate long-term capital growth through an actively managed and diversified portfolio of predominantly equity and equity-related instruments of companies participating in and benefiting from growth in Indian infrastructure and related activities, making it relevant for investors exploring the best SIP plan for 5 years and the best SIP plan for 10 years in infrastructure-oriented schemes.

   Parameters	Details
   Fund Name	Bandhan Infrastructure Fund Regular-Growth
   NAV	₹ 47.90 (as on 5th December, 2025)
   AUM	₹1,675.88 Crs
   Expense Ratio	2.1%
   Return 5 Years	33.25%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	8th March, 2011
   Asset Allocation	Equity: 93.95%, Debt: 0.03%, Others: 6.02%
   Top Sectors	Real Estate Consumer Discretionary Industrials Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Reverse Repo Kirloskar Brothers Ltd Larsen & Toubro Ltd Bharti Airtel Ltd Reliance Industries Ltd Ultratech Cement Ltd Bharat Electronics Ltd GPT Infraprojects Ltd PTC India Financial Services Ltd Adani Ports and Special Economic Zone Ltd
   Fund Managers	Vishal Biraia Ritika Behera Gaurav Satra
   Fund Type	Open-ended

7. Quant Small Cap Fund-Growth

   The investment objective is to generate capital appreciation and provide long-term growth opportunities by investing in a well-diversified portfolio of small-cap companies, which suits investors with high risk appetite who are evaluating the best SIP plan for 5 years and especially the best SIP plan for 10 years in the small-cap segment.

   Parameters	Details
   Fund Name	Quant Small Cap Fund-Growth
   NAV	₹ 252.53 (as on 5th December, 2025)
   AUM	₹29,462.70 Crs
   Expense Ratio	1.59%
   Return 5 Years	33.42%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	24th November, 1996
   Asset Allocation	Equity: 91.38%, Debt: 0.54%, Others: 8.08%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Reliance Industries Ltd Repo Jio Financial Services Limited RBL Bank Ltd Aegis Logistics Ltd Adani Power Ltd Bikaji Foods International Ltd Anand Rathi Wealth Ltd Aster DM Healthcare Ltd Ventive Hospitality Ltd.
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Fund Type	Open-ended

8. Franklin Build India Fund Regular-Growth

   The investment objective is to achieve capital appreciation by investing in companies engaged, directly or indirectly, in infrastructure-related activities such as development, operation, management, and maintenance of infrastructure assets, making it a thematic choice for investors comparing the best SIP plan for 5 years and the best SIP plan for 10 years focused on India’s infrastructure growth story.

   Parameters	Details
   Fund Name	Franklin Build India Fund Regular-Growth
   NAV	₹ 142.62 (as on 5th December, 2025)
   AUM	₹2,950.12 Crs
   Expense Ratio	1.99%
   Return 5 Years	33.07%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	4th September, 2009
   Asset Allocation	Equity: 96.54%, Others: 3.46%
   Top Sectors	Financial Materials Real Estate Technology Consumer Discretionary Industrials Energy & Utilities
   Top Holdings	Larsen & Toubro Ltd ICICI Bank Ltd Interglobe Aviation Ltd Reliance Industries Ltd Oil & Natural Gas Corporation Ltd NTPC Ltd HDFC Bank Ltd Bharti Airtel Ltd Cash/Net Current Assets Axis Bank Ltd
   Fund Managers	Ajay Argal Sandeep Manam Kiran Sebastian
   Fund Type	Open-ended

SIP Calculator to Estimate How to Make 1 Crore in 10 Years by SIP

You can also use a SIP calculator to easily estimate the monthly investment needed to reach ₹1 crore without the hassle of manual calculations. This is how it will work:

• Go to Policybazaar SIP Calculator.
• Select the “I Know My Goal Amount” option.
• Enter the following information:
  • I want to save: ₹1,00,00,000
  • I want to invest for: 10 years
  • Expected return: 12%
• The calculator will show you the total invested amount, the wealth gained, and the monthly investment required today. 

The following table will show you the monthly SIP amount for different expected returns:

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

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

Years

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 29
• 31
• 32
• 33
• 34
• 36
• 37
• 38
• 39
• 40

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 30

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

Years

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 29
• 31
• 32
• 33
• 34
• 36
• 37
• 38
• 39
• 40

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 30

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

13.18%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.07%

High Growth Fund

13.4%

Opportunities Fund

21.09%

Multi Cap Fund

14.39%

Accelerator Mid-Cap Fund II

15.84%

Multiplier

14.73%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.46%

Growth Plus Fund

14.82%

US Equity Fund

15.19%

Growth Opportunities Plus Fund

11.84%

Equity Top 250 Fund

14.24%

Future Apex Fund

12.17%

Pension Dynamic Equity Fund

14.64%

Pension Enhanced Equity

Tips to Make 1 Crore in 10 Years by SIP

To achieve the goal of ₹1 crore through SIPs, consider the following tips:

• Start Early: The earlier you start investing, the more time your money has to grow due to compounding.
• Choose the Right Funds: Opt for equity mutual funds with a good track record. Look for funds that have consistently outperformed their benchmarks over several years.
• Increase Investment Amount: Gradually increase your SIP amount as your income grows. This can significantly enhance your corpus over time.
• Stay Disciplined: Consistency is key. Stick to your investment plan regardless of market conditions.
• Monitor Performance: Regularly review your investments and make adjustments if necessary, but avoid making impulsive decisions based on short-term market fluctuations.
• Stay Invested for 10 Years: Don’t interrupt your SIP during market corrections. Long-term investments overcome short-term volatility.

Benefits of SIP in Making 1 Crore in 10 Years

Investing through SIPs offers several advantages:

• Rupee Cost Averaging: SIPs allow investors to buy more units when prices are low and fewer units when prices are high, averaging out the cost over time.
• Flexibility: Investors can start with small amounts and increase their investments as their financial situation improves.
• Disciplined Saving: SIPs encourage regular savings and investing habits, which is crucial for wealth creation.
• Tax Benefits: SIP investments in Unit Linked Insurance Plans (ULIP), National Pension Scheme (NPS), and Equity Linked Savings Schemes (ELSS) can provide tax deductions under Section 80C of the Income Tax Act.

Steps to Invest in SIP to Make 1 Crore in 10 Years?

To successfully invest via SIP and reach your financial goal, follow these steps:

• Set Your Goal: Define the target amount and timeline (e.g., ₹1 crore in 10 years).
• Calculate Required SIP Amount: Use an online SIP calculator to determine how much you need to invest monthly based on expected returns.
• Select Mutual Funds: Research and choose mutual funds that align with your risk tolerance and investment horizon.
• Open an Account: Create an account with a mutual fund house or through a financial advisor/platform.
• Start Your SIP: Set up your monthly investment, ensuring it aligns with your budget.
• Review Regularly: Monitor your investments periodically and make adjustments as needed.

Conclusion

Invest regularly through SIPs, choose high-performing funds, and aim for 12–15% returns to reach ₹1 crore in 10 years. Start early, increase contributions over time, and use a SIP calculator to stay on track. Stay disciplined and focused for long-term growth.