How much SIP do I need for ₹1 crore in 15 years?
Plan ₹1 crore SIPs with conservative returns and step-ups—not a single heroic monthly number you will abandon.
Skip to the calculator below this article
The number people quote, and the one you should stress-test
At ~12% annualised, a flat SIP for ₹1 crore in 15 years lands near ₹20,000 a month.
Give or take depending on exact formula and compounding convention.
At 10%, you need meaningfully more. At 14%, less.
Anyone selling certainty at 15% forever is selling a story.
Open the SIP calculator, try 10% and 12%.
Decide which monthly number you can continue through a bad market year.
That continuity matters more than optimising to the last rupee.
Type 12% if you like hope. Type 10% if you like sleeping.
Step-up makes ₹1 crore feel less violent
Start lower, raise 10% each year with salary hikes, and the starting SIP drops a lot versus a flat mandate.
Just… actually increase it.
Mandates do not auto-grow with your appraisal letter.
I have watched people celebrate a 20% raise and keep the same ₹8k SIP for four years.
That is how crore goals slip quietly.
Remember LTCG when you finally redeem. Headline corpus ≠ spendable corpus.
Plan ₹1.05–1.1 crore if your emotional target is one crore in hand vibes.
Is ₹1 crore still useful in 2026?
As a milestone, yes. Feels real. Motivating.
As “enough for retirement forever” in a big city? Maybe not.
Pair it with an inflation-aware plan if retirement is the real endgame.
For a 35-year-old, ₹1 crore at 50 is a checkpoint, not a hammock.
Still worth chasing. Just don’t stop thinking after the number.
Milestones beat vague “I should invest more.”
Put the date on it. 15 years. Review in year 5 and 10.
Rough split: a bit under ₹37 lakh of your money, rest from compounding.
Sample paths that don’t lie to you
Flat ₹20k at 12% for 15 years → roughly crore-ish territory.
Flat ₹20k at 10% → you fall short. Calculator will not sugarcoat it.
Start ₹12k with 10% annual step-up → often lands near the same neighbourhood as a higher flat SIP.
Add occasional lumpsum bonuses and you can breathe.
Miss three years of step-ups and you will wonder why the chart lied.
The chart did not lie. Your mandate froze.
Write step-up amounts for the next three years in a note right now.
Asset mix for a 15-year crore chase
Equity-heavy is normal if your emergency fund exists and tenure is real.
Don’t fund the crore SIP by emptying the emergency FD.
That trade ends with redeeming equity after a medical bill.
A simple diversified equity or index core beats seven thematic SIPs.
Thematic SIPs are how crore goals become hobby collections.
Rebalance if one fund becomes oversized because it ran hot.
Hot funds create concentration you did not choose on purpose.
What derails people mid-way
Pausing in a crash “until things settle.” Things settle higher without you.
Upgrading lifestyle by the exact amount of every raise.
Chasing last year’s top fund and resetting compounding.
Treating ₹1 crore as a Reddit flex date instead of a funded goal.
Borrowing to invest because “SIP to crore” content got spicy.
No. Do not loan-fund SIPs for a vanity corpus.
Vanity corpora come with interest invoices.
Tax, inflation, and the quiet haircut
Inflation makes today’s crore softer in 15 years.
You may still want the milestone—just know what it buys later.
Tax on redemption depends on rules then, not vibes now.
Keep expectations haircut by a few percent for friction.
If the crore is for a house down payment later, track property prices separately.
One number cannot serve five goals without getting diluted.
Label the goal. Crore for what?
A sane yearly ritual
Once a year: increase SIP if salary rose.
Check if you are still aimed at the corpus under 10% and 12% cases.
Confirm you did not open five new funds after a reel binge.
That is the review. Twenty minutes. Tea optional.
Daily NAV is not a ritual. It is a hobby with fees paid in anxiety.
If you need motivation, track months of SIP completed.
180 months sounds less scary when you are on month 40 and still showing up.
Change the numbers in the calculator above and see the result on this page.
Estimates only—not personalised financial, tax, or investment advice. Markets, loan rates, and tax rules change. Confirm numbers with your lender, CA, or advisor before acting.