How to Become a Crorepati by SIP?
A Systematic Investment Plan (SIP) is a powerful way to build wealth over time. By starting with as little as ₹5,000 per month, disciplined investing over time can help you accumulate ₹1 crore or more.
The following category of SIPs can help you to become crorepati from SIP:
-
Regular SIP:
This involves investing a fixed amount every month without any increase in the investment amount over time. For example, if you invest ₹5,000 monthly for 27 years at an average annual return of 12%, you could accumulate approximately ₹1 crore.
-
Step-Up SIP:
This strategy allows you to increase your monthly investment by a certain percentage each year. For instance, starting with ₹5,000 and increasing it by 10% annually can accelerate your path to becoming a crorepati.
| SIP Type |
Monthly Investment |
Duration (Years) |
Expected Annual Return |
Estimated Corpus |
| Regular SIP |
₹5,000 |
27 years |
12% p.a. |
~₹1.08 Crore |
| Step-Up SIP |
₹5,000 + 10% p.a. |
21 years |
12% p.a. |
~₹1.16 Crore |
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Axis Max Life |
32.5% |
21.1% |
|
| Tata AIA Life |
30.5% |
21% |
|
| Bajaj Allianz |
20.33% |
12.57% |
|
| HDFC Life |
21.91% |
14.55% |
|
| ICICI Prudential Life |
20.2% |
13.12% |
|
| Birla Sun Life |
22.23% |
14.27% |
|
| PNB MetLife |
20.77% |
16.11% |
|
| Canara HSBC Life |
16.9% |
9.87% |
|
| LIC India |
10.69% |
- |
|
| SBI Life |
15.63% |
11.99% |
|
Fund rating powered by
Last updated: Jul 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% |
|
SIP Calculator to Estimate the Duration to Become Crorepati by SIP of 5000 per Month
A SIP calculator helps estimate the corpus based on monthly investment, duration, and expected return.
| Monthly SIP (₹) |
Duration (Years) |
Expected Return (% p.a.) |
Corpus (₹) |
| ₹5,000 |
21 years |
12% |
~50 lakhs |
| ₹5,000 |
27 years |
12% |
~1 crore |
| ₹5,000 |
33 years |
12% |
~2.1 crore |
Example: If you invest ₹5,000/month for 27 years at a 12% return, your corpus will grow to ₹1 crore.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.6%
High Growth Fund
18.2%
Top 200 Fund
14.35%
Accelerator Mid-Cap Fund II
13.95%
Opportunities Fund
12.35%
Opportunities Fund
15.08%
Multiplier
14.52%
Virtue II
10.19%
Equity II Fund
13.28%
Accelerator Fund
10.79%
Pension Dynamic Equity Fund
13.72%
Frontline Equity Fund
11.97%
Top 300 Fund
11.11%
Equity Top 250 Fund
14.13%
Growth Opportunities Plus Fund
13.03%
Future Apex Fund
10.06%
Blue-Chip Equity Fund
Step-Up SIP Calculator to Estimate Duration to Become Crorepati by Step-Up SIP of 5000 per Month
A Step-Up SIP increases the monthly SIP amount periodically (e.g., by 10% annually), accelerating wealth creation. You can estimate the maturity amount for the increasing sip investments through a Step-up SIP Calculator.
| Initial SIP (₹) |
Annual Step-Up (% p.a.) |
Duration (Years) |
Expected Return (%) |
Corpus (₹) |
| ₹5,000 |
10% |
16 years |
12% |
~50 lakhs |
| ₹5,000 |
10% |
21 years |
12% |
~1 crore |
| ₹5,000 |
10% |
25 years |
12% |
~2 crore |
Example: If you start with ₹5,000/month, increasing by 10% yearly, your corpus can reach ₹2 crore in 25 years.
Benefits of SIP Investment to Become Crorepati
Investing through the Best SIP Plans offers several advantages:
-
Start Small: You can begin with as little as ₹100.
-
Disciplined Saving: Regular investments promote financial discipline.
-
Rupee Cost Averaging: You buy more units when prices are low and fewer when high.
-
Professional Management: Funds are managed by experts who optimise returns.
-
Flexibility: You can pause or adjust your investments as needed.
How to Invest in SIP of ₹5000 per Month?
Investing in an SIP is straightforward:
-
Choose a Market-Linked Fund: Research and select a fund that aligns with your financial goals.
-
Complete KYC Process: Ensure you have completed your Know Your Customer (KYC) requirements.
-
Set Up ECS/NACH Mandate: Authorize automatic deductions from your bank account for monthly contributions.
-
Start Investing: Begin with your chosen amount and enjoy the benefits of power of compounding over time.
