SIP investment of ₹25,000/month: How soon can you build ₹10 crore wealth? Check calculation and time required
Can a ₹25,000 monthly SIP actually make you a crorepati — or even build a ₹10 crore corpus?
It might sound too ambitious at first, but if you’re patient and consistent, mutual fund SIPs can surprise you.
Let’s break it down in simple terms — no jargon, no confusion. Just numbers and what they could mean for your future.
₹25,000/month SIP — What does it become in the long run?
Assuming you invest ₹25,000 every month into a decent mutual fund scheme and let it grow over time, the returns start compounding in a way that feels almost magical after a point. But of course, it’s not magic — it’s just math + time.
Here’s what your corpus might look like depending on the return rate:
| Years |
@ 10% Return |
@ 12% Return |
@ 14% Return |
| 10 |
₹65.6 lakh |
₹72.4 lakh |
₹79.8 lakh |
| 15 |
₹1.3 crore |
₹1.54 crore |
₹1.84 crore |
| 20 |
₹2.39 crore |
₹3.17 crore |
₹4.24 crore |
| 25 |
₹3.97 crore |
₹6.03 crore |
₹8.81 crore |
| 26 |
₹4.41 crore |
₹6.85 crore |
₹10.15 crore |
| 27 |
₹4.89 crore |
₹7.78 crore |
₹11.66 crore |
| 28 |
₹5.41 crore |
₹8.83 crore |
₹13.38 crore |
These numbers are rounded for simplicity. Actual results may vary.
When do you cross ₹10 crore?
That golden ₹10 crore mark — when does it happen?
- If your SIP earns around 14% annually, you can hit ₹10 crore in about 26 years
- With a 12% return, it may take around 29 years
- And at 10%, it’ll take well over 30 years
So yes, your patience is directly connected to your portfolio size.
Here’s what many investors overlook
Most people either start too late, stop midway, or withdraw early when the markets drop. But the trick is to let the compounding run its full course.
Even if ₹25,000/month feels like a stretch now, remember — in the long run, inflation will make that amount feel smaller, but your investment value will keep growing. And if you step up your SIP each year, you’ll get there even faster.
Final thoughts
This isn’t a get-rich-quick scheme. But it is a get-rich-sure one — if you give it time.
- Start early, stay consistent
- Don’t obsess over short-term returns
- Let compounding do its work quietly
₹25,000 a month could be your ticket to financial freedom. You just have to let it grow.
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