Path to 1 Crore: The Roadmap to Your First Million
Building a ₹1 Crore corpus isn't just a dream. We break down the exact SIP amounts, timeframes, and investment vehicles to get you there.
Why 1 Crore? Because it's a psychological milestone. But why not 10 Lakhs or 50 Lakhs? Because 10 Lakhs is a 'savings', 50 Lakhs is a 'cushion', but 1 Crore is a 'corpus' that can start generating meaningful passive income.
The Math of 1 Crore
To reach 1 Crore, you need a combination of Consistency and Time. If you expect a 12% return from a diversified mutual fund, here is how many years it takes based on your monthly SIP:
| Monthly SIP | Years to 1 Crore | Total Invested |
|---|---|---|
| ₹10,000 | 20 Years | ₹24 Lakh |
| ₹25,000 | 14.5 Years | ₹43 Lakh |
| ₹50,000 | 10 Years | ₹60 Lakh |
| ₹1,00,000 | 6.5 Years | ₹78 Lakh |
Why Not Stop at 50 Lakhs?
Inflation is your hidden enemy. ₹50 Lakhs might seem like a lot today, but in 15 years, its purchasing power might be equivalent to only ₹20 Lakhs today. 1 Crore gives you the margin of safety needed to actually consider financial independence.
Crore Calculator Rule
- 1
15-15-15 Rule: Invest ₹15,000 per month for 15 years at 15% interest = ₹1.02 Crore.
- 2
Step-up SIP: Increasing your SIP by just 10% every year can cut your time to 1 Crore by 30%!