BUILD 1 CRORE IN 10 YEARS SIP BY SIP

 

How to Build 1 Crore in 10 years through SIP

 

Building Rs 1 crore in wealth is all you need are three things: consistency, patience, and discipline. There’s no secret formula, no “hot tips” , and definitely no unicorn sighting needed to build wealth. Just old-school endurance of investing regularly, ignoring the noise around market highs and low

 

The 10-year 1 crore plan

If you start an SIP of Rs 45,000 per month and continue for 10 years, assuming an annualised return of 12 per cent, your investment can grow to just over Rs 1 crore.

 

Why 12 per cent? Because that’s a reasonable, data-backed estimate. Over the past decade, large-cap mutual funds have delivered around 12.63 per cent annualised returns, so it’s not an exaggerated number.

 

If you feel you cant afford Rs 45000 SIP every month , you can start a Rs 37,000 monthly SIP, and simply increase your SIP by 5 per cent every year. This is something most of us can manage as our salaries grow. This step-up SIP ensures your investments keep pace with your income and inflation, helping you reach the same Rs 1 crore mark in 10 years.

 

Now for many investors, Rs 37,000–45,000 a month can feel daunting. At this point, it’s easy to get discouraged and think, “What’s the point if I can’t reach a crore in 10 years?”

But here’s the thing: you don’t have to become a crorepati in exactly 10 years.

 

There’s no stopwatch. Investing isn’t a race; it’s a lifelong journey.

 

And as long as you stay consistent, your patience will pay off. Big time.

 

Let’s say you start with a modest Rs 10,000 per month SIP and increase it by 5 per cent every year. Here’s what your journey would look like:

 

Year 1–10: Rs 27 lakh

Year 11–15: +Rs 38 lakh → total Rs 65 lakh

Year 16–20: +Rs 72 lakh → total Rs 1.37 crore

Year 21–25: +Rs 1.36 crore → total Rs 2.73 crore

 

See what happened there? The first 10 years felt slow, but the next 15 were explosive. In fact, your investment can grow far more than a crore (Rs 1.36 crore to be precise) between Years 21 and 25. That’s thanks to compounding

 

The magic of compounding

 

Compounding is the single most powerful concept in investing, and yet, it’s also the most underappreciated.

Think of it as “returns earning returns”. When your profits are reinvested, they start generating more profits, and over time, this snowballs into massive growth.

The secret isn’t genius stock-picking. It’s time.

 

The longer you stay invested, the more compounding works in your favour. That’s why starting early and staying invested matter far more than chasing short-term returns

 

CONCLUSION

Reaching Rs 1 crore may look like a distant dream, but it’s actually just a series of small, consistent steps.

 

Start small, but start now.

Increase your SIP amount as your income grows.

Stay invested, even when markets wobble.

Let compounding do the heavy lifting.

 

Because when you think about it, wealth isn’t built overnight — it’s built every day.