There’s something magical about the number ₹1 Crore. For many it is not just a number, it is a milestone – financial as well as an emotional one. It provides a sense of satisfaction that you’ve truly achieved something substantial.
But those who have been working to achieve the target or have achieved it, truly relate with the line that, “Your First Crore is always the Hardest”. Not because it requires luck or high amount of income but discipline, patience, and belief. And the best part? You don’t need to be an investment expert or require an inheritance to reach there. With a well-structured Systematic Investment Plan (SIP), your dream of ₹1 Crore is achievable.
Today we help you with a detailed blueprint exploring various options to help you achieve your ₹1 Crore dream.
The Math behind the ₹1 Crore Figure
In the following tables, we explore various options via SIP through which you can reach that magic number. We have assumed 12.65% as base return for all our calculations which is the 5Y Average Rolling Return for Nifty 100 over the past 20 Years ending 30th June 2025.
How long will it take for me to reach ₹1 Crore?
This table explores the various amounts of SIPs as well as the number of years taken to achieve the target.
Number of years it takes to reach ₹1 Crore
| SIP Amount ₹ | No. Of Years |
|---|---|
| 5,000 | 25 |
| 10,000 | 20 |
| 20,000 | 15 |
| 30,000 | 12 |
Source: EduFund Internal Research
As you can observe, the number of years significantly decreases as the amount of contributions increase.
What if I can increase the amount of SIP every year?
For those who can’t commit a high amount of SIP initially but are confident about increasing their contribution as their income and in turn savings increase, this table below explores the time taken to reach the target of ₹1 Crore with a 10% annual top-up SIP.
Number of years it takes to reach ₹1 Crore with 10% Annual Top-Up
| SIP Amount ₹ | Approx. No. of Years |
|---|---|
| 5,000 | 20 |
| 10,000 | 16 |
| 20,000 | 13 |
| 30,000 | 10 |
Source: EduFund Internal Research
If you observe, you can reach your target faster by up to 5 years through the top-up option. This can be a good option for those who want to start small but then increase their contributions with time.
How much do I need to contribute to reach ₹1 Crore?
If you have a specific target in years by which you want to reach the amount of ₹1 Crore, this table below explores the amount of SIP required against the target in years.
Amount of SIP required to reach ₹1 Crore
| No. of Years | SIP Amount Required ₹ |
|---|---|
| 5 | ₹ 1,21,330 |
| 10 | ₹ 43,115 |
| 15 | ₹ 19,874 |
| 20 | ₹ 10,048 |
Source: EduFund Internal Research
This table is a clear presentation of the benefit of starting early. You don’t need a high amount to reach your target; you just need sufficient time. Wait too long, and the amount of investment required increases each year.
The Miracle of Compounding – A Partner that keeps building for you
If you ever have thoughts of stopping your SIPs because the growth is minimal, or you’re not seeing the results you were expecting; we have the following line chart to show you how the magic of compounding works – slowly at first; and then all at once.
The table showcases the wealth milestones and the time taken to reach them with a ₹10,000 SIP.
Observe here that the first ₹25 Lakhs takes 11 years, then it only requires another 5 years to build another ₹25 Lakh, and then 3 years and then less than 2 years to finally reach ₹1 Crore.
This is the magic; the target might seem too distant initially but with compounding and consistency, your wealth will create wealth for you, pushing you to your target faster.
Key Takeaways
- Start early, even if you start with a small amount – Use time as your ally.
- Increase SIP amounts as you save higher to reach your target faster.
- Consistency > Returns. You don’t need high returns to accumulate big. You need discipline.
Final Words
Reaching ₹1 Crore is not about hitting a number. It is a result that showcases your discipline, your long-term vision, and your belief. And once you reach it, you’ll realise, it was not a race, it was a journey to build your mindset.
So, whether you are someone who wants to begin accumulating ₹1 Crore or are on your journey already, remember:
“A Crore may sound like a dream today, until you realise it is just a few thousand rupees a month and time working together for your dream.”
And this blueprint is just our effort to help you push you towards your dream.
Bonus Insight:
Can you guess how much time will it take to build your next crore?
Only 6 Years!
Disclaimer
The data in this presentation are meant for general reading purpose only and are not meant to serve as a professional guide/investment advice for the readers. This presentation has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable.
Whilst no action has been suggested or offered based upon the information provided herein, due care has been taken to endeavor that the facts are accurate and reasonable as on date. The information placed on the presentation is for informational purposes only and does not constitute as an offer to sell or buy a security.
The Company reserves the right to make modifications and alterations to the content available on the presentation. Readers are advised to seek independent professional advice and arrive at an informed investment decision before making any investment.
The EduFund platform & the website is owned, operated and maintained by Helena Edtech Private Limited, a company incorporated under the laws of India. An affiliate of the Company, i.e. Edubillions Tech Private Limited is registered with AMFI as mutual fund distributor bearing the registration number ARN258733.
Investment in securities market are subject to market risks, read all the related documents carefully before investing.
The valuation of securities may increase or decrease depending on the factors affecting the securities market.
About the author
Niraj Satnalika
Head Of Research,EduFund
Dr. Niraj is a finance professional with 12+ years of experience and is part of the founding team at EduFund. He’s worked with Goldman Sachs, CRISIL and Sakal Media in roles spanning investment management, research and leadership. With a PhD in Finance from IIT Bombay, he brings deep expertise in valuation, governance and education planning. When he’s not teaching or writing, you’ll find him cooking or going on long drives.
