Introduction
A Systematic Investment Plan (SIP) is one of the most disciplined ways to build wealth. By investing a fixed amount regularly in mutual funds, you harness the power of compounding and rupee cost averaging. With consistency, even small monthly investments can grow into a massive corpus over time. Let’s see how you can reach ₹1 crore in 15 years.
🧠 What Is SIP?
- A method of investing a fixed sum monthly in mutual funds.
- Helps avoid timing the market — you buy units at different price levels.
- Ideal for long-term wealth creation and financial goals.
⚡ Power of Compounding
Compounding means your returns generate further returns. Over 15 years, this effect is huge.
- ₹10,000/month at 12% CAGR → ~₹35 lakh
- ₹20,000/month at 12% CAGR → ~₹70 lakh
- ₹30,000/month at 12% CAGR → ~₹1 crore
👉 The key is time + consistency.
📊 SIP Calculator Examples
| Monthly SIP | Expected CAGR | Duration | Corpus Value |
|---|---|---|---|
| ₹15,000 | 12% | 15 years | ~₹52 lakh |
| ₹25,000 | 12% | 15 years | ~₹87 lakh |
| ₹30,000 | 12% | 15 years | ~₹1 crore |
🏦 Best Mutual Fund Categories for SIP
- Large-Cap Funds: Stable, lower risk.
- Flexi-Cap Funds: Balanced exposure across large, mid, small caps.
- Index Funds (Nifty 50, Sensex): Low-cost, consistent long-term growth.
- ELSS Funds: Tax-saving + equity growth (lock-in 3 years).
💡 Tips to Stay Consistent
- Don’t stop SIPs during market crashes — volatility is your friend.
- Step-up SIP: Increase amount annually with salary hikes.
- Review portfolio every 2–3 years — switch underperforming funds.
- Stay invested for full 15 years — compounding needs time.
Conclusion
Building a ₹1 crore corpus in 15 years is achievable with SIP discipline. Start early, invest consistently, and let compounding do the heavy lifting. With the right fund selection and patience, your financial goal is within reach.