Introduction to Systematic Investment Plan (SIP)
A Systematic Investment Plan (SIP) is a method of investing in mutual funds and insurance plans where you contribute a fixed amount regularly, typically monthly. This strategy allows you to accumulate wealth over time through disciplined investing and the power of compounding.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
21.07% |
|
| Tata AIA |
30.99% |
21.69% |
|
| Bajaj Allianz |
24.23% |
12.8% |
|
| HDFC Standard |
25.77% |
14.87% |
|
| Canara HSBC Oriental Bank |
17.51% |
10.29% |
|
| Bharti AXA |
23.03% |
15.02% |
|
| Birla Sun Life |
26.67% |
14.18% |
|
| ICICI Prudential |
22.68% |
13.38% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24% |
16.86% |
|
Fund rating powered by
Last updated: May 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
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:
Use the Future Value of SIP Formula for calculation:
For Example, to find P:
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%.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.57%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.58%
Growth Plus Fund
13.35%
Accelerator Fund
14.61%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.48%
Equity Top 250 Fund
13.31%
Future Apex Fund
12.32%
Opportunities Fund
14.24%
Frontline Equity Fund
15.03%
Virtue II
10.88%
Pension Dynamic Equity Fund
11.8%
Equity Fund
10.32%
Blue-Chip Equity Fund
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 |
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.
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.
