SIP for ₹1 Crore Calculator

At about 12% annualised returns, you would need roughly ₹20,000–₹21,000 per month in a flat SIP. If you use a 10% annual step-up starting lower, you can begin with less and increase as income grows — use the calculator to tune both paths.

Many diversified equity mutual funds have delivered double-digit CAGR over long periods, but past performance is not guaranteed. Use conservative assumptions (10–11%) for planning and treat 12–15% as optimistic scenarios, not promises.

ELSS helps under Section 80C but has a three-year lock-in per instalment. For a pure long-term crore goal, open-ended equity or flexi-cap funds offer liquidity. You can split: ELSS for tax saving and additional SIPs in other funds for the same goal.