Monthly SIP needed to build ₹5 crore in 15 years
To build ₹5 crore in 15 years, you need to invest about ₹99,093 per month.
At an assumed 12% annual return you'd invest ₹1,78,36,758 of your own money; the remaining ₹3,21,63,242 comes from compounding.
Want to accumulate ₹5 crore through mutual funds? Starting early is everything. With an assumed 12% annual return — roughly the long-term average for Indian equity funds — you'd need about ₹99,093 a month for 15 years. The table below shows how the required monthly amount drops sharply the longer you stay invested, because compounding does more of the work.
Full breakdown
Monthly SIP to reach ₹5 crore at 12%, by time horizon
| Time horizon | Monthly SIP needed | You invest |
|---|---|---|
| 10 years | ₹2,15,203 | ₹2,58,24,326 |
| 15 years | ₹99,093 | ₹1,78,36,758 |
| 20 years | ₹50,043 | ₹1,20,10,234 |
| 25 years | ₹26,349 | ₹79,04,576 |
How this is calculated
The required SIP is derived from the future-value-of-annuity formula solved for the monthly amount: P = FV × i ÷ [((1+i)ⁿ − 1) × (1+i)], where FV is your goal, i is the monthly return (12% ÷ 12), and n is the number of months. The 12% assumption is a long-term equity estimate, not a guarantee — mutual funds are market-linked and returns vary year to year. Also remember inflation: ₹5 crore will buy less in 15 years than today. Use the interactive SIP calculator to try different returns, amounts and step-up plans.
Frequently asked questions
Monthly SIP for other goals
These figures are estimates for planning and use standard assumptions stated above. Your actual numbers depend on your specific salary structure or loan terms. For financial decisions, verify with your employer, lender, or a qualified advisor.