How to Make 1 Crore in 10 Years by SIP
Building a corpus of ₹1 crore in 10 years is achievable through disciplined investing via a Systematic Investment Plan (SIP). With consistent monthly contributions, the power of compounding, and exposure to high-performing mutual funds, your wealth can grow steadily over time. Choose the right fund, stay consistent, and follow the simple steps below to reach your goal of accumulating ₹1 crore in 10 years.
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- How to Make 1 Crore in 10 Years by SIP
Best SIP Plans to Make 1 Crore in 10 Years
| Fund Name | AUM | Return 3 Years | Return 5 Years | Return 10 Years | Minimum Investment | Return Since Launch |
|---|---|---|---|---|---|---|
| ICICI Prudential Infrastructure Fund-Growth | ₹8,549.71 Crs | 19.66% | 22.91% | 17.53% | ₹5,000 | 15.53% |
| Motilal Oswal Midcap Fund Regular-Growth | ₹37,473.87 Crs | 20.11% | 21.7% | 16.53% | ₹500 | 20.5% |
| SBI PSU Fund-Growth | ₹6,683.53 Crs | 23.73% | 22.7% | 14% | ₹5,000 | 8.02% |
| HDFC Infrastructure Fund Regular-Growth | ₹2,444.21 Crs | 16.57% | 19.37% | 11.69% | ₹100 | 8.83% |
| Aditya Birla Sun Life PSU Equity Fund Regular-Growth | ₹6,018.74 Crs | 22.79% | 22.39% | N/A | ₹500 | 21.54% |
| Bandhan Infrastructure Fund Regular-Growth | ₹1,545.49 Crs | 17.2% | 16.1% | 15.76% | ₹1,000 | 10.98% |
| Quant Small Cap Fund-Growth | ₹33,739.05 Crs | 18.35% | 17.21% | 19.81% | ₹5,000 | 12.83% |
| Franklin Build India Fund Regular-Growth | ₹3,255.73 Crs | 19.42% | 19.41% | 16.61% | ₹5,000 | 17.16% |
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:
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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 AUM ₹8,549.71 Crs Expense Ratio 1.89% Return 5 Years 22.91% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 31st August, 2005 Asset Allocation Equity: 91.83%, Debt: 0.95%, Others: 6.61% Top Sectors - Consumer Discretionary
- Industrials
- Energy & Utilities
- Financial
- Materials
- Real Estate
- Technology
Top Holdings - Larsen & Toubro Ltd
- Interglobe Aviation Ltd
- Repo
- Oberoi Realty Ltd
- NTPC Ltd
- Gujarat Gas Ltd
- Adani Ports and Special Economic Zone Ltd
- Vedanta Ltd
- Reliance Industries Ltd
- NCC Ltd
Fund Managers - Ihab Dalwai
- Sharmila D'Silva
Fund Type Open-ended -
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 AUM ₹37,473.87 Crs Expense Ratio 1.7% Return 5 Years 21.7% Minimum Investment SIP ₹1000 & Lumpsum ₹500 Risk Level Principal at very high risk Launch Date 24th February, 2014 Asset Allocation Equity: 97.11%, Others: 2.89% Top Sectors - Real Estate
- Materials
- Consumer Discretionary
- Industrials
- Financial
- Healthcare
- Technology
Top Holdings - Others CBLO
- Reverse Repo/CBLO
- Dixon Technologies (India) Ltd
- Persistent Systems Ltd
- Coforge Ltd
- Zomato Ltd
- Kalyan Jewellers India Ltd
- One 97 Communications Ltd
- Trent Ltd
- NIFTY 26000 Put Feb26
Fund Managers - Ajay Khandelwal
- Niket Shah
- Rakesh Shetty
- Sunil Sawant
Fund Type Open-ended -
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 AUM ₹6,683.53 Crs Expense Ratio 1.87% Return 5 Years 22.7% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 7th July, 2010 Asset Allocation Equity: 96.53%, Debt: 0.07%, Others: 3.4% Top Sectors - Industrials
- Energy & Utilities
- Financial
- Materials
Top Holdings - State Bank of India
- Power Grid Corporation of India Ltd
- GAIL (India) Ltd
- Bharat Electronics Ltd
- NTPC Ltd
- Oil & Natural Gas Corporation Ltd
- Bharat Petroleum Corporation Ltd
- Bank Of Baroda
- Repo
- Bharat Heavy Electricals Ltd
Fund Managers NA Fund Type Open-ended -
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 AUM ₹2,444.21 Crs Expense Ratio 2.22% Return 5 Years 19.37% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 10th March, 2008 Asset Allocation Equity: 97.74%, Others: 0.24% Top Sectors - Consumer Discretionary
- Industrials
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Repo
- ICICI Bank Ltd
- Larsen & Toubro Ltd
- HDFC Bank Ltd
- Interglobe Aviation Ltd
- Kalpataru Power Transmission Ltd
- NTPC Ltd
- J Kumar Infraprojects Ltd
- State Bank of India
- Reliance Industries Ltd
Fund Managers - Srinivasan Ramamurthy
- Dhruv Muchhal
Fund Type Open-ended -
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 AUM ₹6,018.74 Crs Expense Ratio 1.88% Return 5 Years 22.39% Minimum Investment SIP ₹1000 & Lumpsum ₹500 Risk Level Principal at very high risk Launch Date 30th December, 2019 Asset Allocation Equity: 98.56%, Others: 1.44% Top Sectors - Industrials
- Energy & Utilities
- Financial
- Materials
- Unspecified
Top Holdings - State Bank of India
- NTPC Ltd
- Power Grid Corporation of India Ltd
- Bharat Heavy Electricals Ltd
- GAIL (India) Ltd
- Bharat Electronics Ltd
- Oil & Natural Gas Corporation Ltd
- Bank of Maharashtra
- Bharat Petroleum Corporation Ltd
- Bank Of Baroda
Fund Managers - Dhaval Gala
- Dhaval Joshi
Fund Type Open-ended -
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 AUM ₹1,545.49 Crs Expense Ratio 2.24% Return 5 Years 16.1% Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 8th March, 2011 Asset Allocation Equity: 96.25%, Debt: 0.02%, Others: 3.04% Top Sectors - Real Estate
- Consumer Discretionary
- Industrials
- Diversified
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Reverse Repo
- Larsen & Toubro Ltd
- Reliance Industries Ltd
- Kirloskar Brothers Ltd
- Bharti Airtel Ltd
- Ultratech Cement Ltd
- Bharat Electronics Ltd
- GPT Infraprojects Ltd
- Interglobe Aviation Ltd
- Adani Ports and Special Economic Zone Ltd
Fund Managers - Vishal Biraia
- Ritika Behera
- Gaurav Satra
Fund Type Open-ended -
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 AUM ₹33,739.05 Crs Expense Ratio 1.77% Return 5 Years 17.21% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 24th November, 1996 Asset Allocation Equity: 86.54%, Debt: 1.31%, Others: 12.15% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - Reliance Industries Ltd
- Repo
- Net Current Assets
- Jio Financial Services Limited
- HFCL Ltd
- RBL Bank Ltd
- Others Fixed Deposits
- Adani Power Ltd
- Adani Enterprises Ltd
- Aegis Logistics Ltd
Fund Managers - Sanjeev Sharma
- Ankit A Pande
- Sandeep Tandon
- Varun Pattani
- Ayusha Kumbhat
- Sameer Kate
- Yug Tibrewal
Fund Type Open-ended -
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 AUM ₹3,255.73 Crs Expense Ratio 2.05% Return 5 Years 19.41% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 4th September, 2009 Asset Allocation Equity: 96.93%, Others: 3.07% Top Sectors - Financial
- Materials
- Real Estate
- Technology
- Consumer Discretionary
- Industrials
- Energy & Utilities
Top Holdings - Larsen & Toubro Ltd
- Interglobe Aviation Ltd
- Oil & Natural Gas Corporation Ltd
- Reliance Industries Ltd
- ICICI Bank Ltd
- NTPC Ltd
- Cash/Net Current Assets
- HDFC Bank Ltd
- Bharti Airtel Ltd
- 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:
| Expected Return (p.a.) | Monthly SIP
(₹) |
Total Investment (₹) | Wealth Gained
(₹) |
Total Value (₹) |
| 10% | ₹49,600 | ₹59.6 lakh | ₹40.40 lakh | ₹1 crore |
| 12% | ₹44,600 | ₹53.6 lakh | ₹46.4 lakh | ₹1 crore |
| 14% | ₹40,100 | ₹48.1 lakh | ₹51.9 lakh | ₹1 crore |
SIP Calculator
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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.
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.
FAQs
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How much should I invest monthly to reach ₹1 crore in 10 years?
You need to invest approximately ₹44,600 monthly, assuming a 12% annual return. -
Which funds can help achieve ₹1 crore?
Equity funds like large-cap, multi-cap, or index funds with consistent performance can be suitable to achieve your goal of saving ₹1 crore within your investment horizon. -
Is a 12% return realistic for SIP investments?
Yes, it is achievable based on the historical returns of equity mutual funds, but it’s not guaranteed. -
Can I increase my SIP amount over time?
Yes, increasing your SIP annually (step-up SIP) can help you reach your financial goal faster. -
What factors affect the growth of my SIP?
Your SIP returns depend on the fund's performance, market conditions, and investment duration.
