Monthly SIP Investment You Need to Accumulate INR 10 crores in 20 Years

Earlier, investors would accumulate INR one or two crores over ten to fifteen years by investing capital in the market. However, due to the rise in inflation, investors are likely to gather more funds to beat the inflation rate and enjoy their retirement. Therefore, it becomes crucial for them to select the right investment tool to accumulate more funds.

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SIP 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 80 C
Zero LTCG Tax
Zero LTCG Tax^ (Unlike 10% in Mutual Funds)
Disciplined & worry-free investing
Disciplined & worry-free investing

SIP (Systematic Investment Plan) Investment Plan

SIP investment plan is the best route to enter the mutual fund market. It is the most effective and efficient way to build a nine-figure wealth in twenty years. However, it is essential to note that in order to build 10 crores in 20 years through a SIP investment plan, an investor must be consistent in paying the premium charges at a regular or predefined interval. In addition, he needs to keep in mind that, on average, he is expected to accumulate INR 50 lakh per year.

SIP or Systematic Investment Plan requires the individual to contribute a specific or fixed amount of saving at a regular period. For example, the period could be determined on a monthly, quarterly, or annual basis. SIP calculator online tool can be used to get the estimate values for the SIP returns that can be earned.

SIP Investment Thumb-rule

The SIP investment thumb rule may effectively guide the investor to build a corpus of INR 10 crore in 20 years. One such rule is known as the 15-15-15 rule, which states that if an investor continues investing INR 15,000 under SIP investment on a monthly basis for 15 years, with a  SIP investment plan that offers a 15% annual return on the investment, the investor is likely to build a corpus of one crore in 10 years. INR 15,000 is an average or small amount an investor can invest in a SIP investment plan. Hence, INR 15,000 monthly for 15 years at a 15% annual rate gives INR 1 crore.

If one doubles the time period to the thumb rule mentioned above, he may accumulate ten times more in 30 years. For example, if an investor consistently pays a premium of INR 15,000 at an annual interest rate of 15% for 30 years, he would be able to accumulate INR 10 crores at the end of 30 years. The SIP investment plan shows the power of compounding when it comes to generating returns on investment. Hence, the SIP investment approach could be considered the best option to invest the savings in order to generate INR 10 crores in 20 years. However, the beneficiary must be consistent and disciplined in paying the premium. Further, an investor in his 20s or 30s may explore this thumb rule of SIP investment in the long run to attain financial goals.

Nevertheless, building INR 10 crore is challenging. To become a multi-crorepati or millionaire in 20 years is possible, but at the same time, more complex. An investor needs to save around INR 70 to 75k per month to invest in a SIP investment plan in order to gather INR 10 crore in 20 years.

Monthly SIP Investment Amount Required to Reach INR 10 Crores.

In order to make a massive corpus of INR 10 crores in 20 years, an investor must have at least INR 66,000. However, the amount may vary according to the annual interest rate.

Let us understand by following examples.

  • If an investor under the SIP investment plan pays a premium of INR 66,000, he may accumulate INR 10 crores in 20 years, provided the annual interest rate should be not less than 15 percent.

  • An investor can earn INR 10 crores if he pays INR 76,000 monthly in case the annual rate is 14%.

  • If the annual interest rate is 13% and 12%, the investor needs to pay INR 87,000 and INR 1 lakh monthly to generate a corpus of INR 10 crores under the SIP investment plan.

  • An investor is required to pay INR 144,000 monthly if the interest rate is 11%.

  • An investor may consider paying INR 131,000 and INR 149,000 if the interest rate is 10% and 9%, respectively.

The annual interest rate generally varies from 12 to 18 percent. However, if one estimates 12% and continues to invest INR 1 lakh per month, he is likely to have a corpus of INR 10 crores in 20 years under the SIP investment plan.

Increase SIP Investment Amount Periodically

The premium of SIP investment cannot be static. It needs to change due to the change in income of the investor. The investors tend to increase the SIP premium amount as their income also grows over time. This method is known as the ‘stepping’ since the investor increases the monthly amount under the SIP investment plan. Hence, the investor is not compelled to start with a high amount of INR 1 lakh. He may begin with INR 55,000 by raising a 10 percent premium every year in order to earn INR 10 crores in 20 years. Further, he may start with INR 20,000 if he is likely to raise the premium by 22% at the end of every year. Furthermore, INR 40,000 is also a considerable amount if the investor tends to increase the premium by INR 12,000 every year.

The aforementioned techniques sound more practical.


The SIP investment plan is one of the most effective ways to earn INR 10 crores in 20 years. Investors saving around INR 22,000 per month are also eligible to invest in SIP to accumulate a significant corpus for retirement. In addition, investors in their 40s may also start investing in SIPs to earn INR 10 crores in their 60s in order to meet the financial requirement of their retirement.


  • Whether mutual fund SIP investment is a good investment tool?

    SIP investment is undoubtedly an excellent investment tool for investors who believe in long-term investment planning. As a result, the investor may accumulate a good corpus for retirement. It is suggested to study the best SIP plans in the market before investing to get the better idea of SIP plans.
  • Whether I should invest in SIP?

    SIP is a noteworthy investment plan that offers the best investment returns in long-term planning. Hence, every investor must consider SIP for investment purposes.

+For Mutual Fund midcap category Returns & for Insurance midcap fund category Returns-
*Past 10 Year annualised returns as on 01-12-2023
*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.
~Source - Google Review Rating available on:-
^^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.

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