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 |
| SBI Life |
16.06% |
13.49% |
|
| HDFC Life |
21.64% |
16.38% |
|
| Axis Max Life |
29.3% |
22.69% |
|
| ICICI Prudential Life |
20.5% |
- |
|
| Tata AIA Life |
25.72% |
22.72% |
|
| Bajaj Life |
20.41% |
14.23% |
|
| Birla Sun Life |
22.49% |
16.63% |
|
| PNB MetLife |
20.07% |
17.43% |
|
| Canara HSBC Life |
15.82% |
11.93% |
|
| Star Union Dai-ichi Life |
14.69% |
- |
|
Fund rating powered by
Last updated: Sep 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% |
|
Last updated: August 2025
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)
12.34%
Equity Pension
15.24%
Global Equity Index Funds Strategy
17.8%
High Growth Fund
15.5%
Pension India Consumption Fund
20.53%
Multi Cap Fund
14.32%
Accelerator Mid-Cap Fund II
15.42%
Multiplier
14.2%
Frontline Equity Fund
14.94%
Virtue II
10.65%
Equity II Fund
13.87%
US Equity Fund
14.46%
Growth Opportunities Plus Fund
11.35%
Equity Top 250 Fund
13.44%
Future Apex Fund
11.2%
Pension Dynamic Equity Fund
13.67%
Accelerator 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.
