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From 0 to Rs 1 crore: What can be your monthly SIP, one-time investment to achieve Rs 1 cr corpus target in 5, 10, 15 and 20 years?
Written By ZeeBiz WebTeam
Published: | Updated:
From 0 to Rs 1 crore: Creating the first Rs 1 crore from investments is a large milestone for most people. Once achieved, the next Rs 1 crore may come sooner. But how much monthly SIP or lump sum amount do you require to generate your first Rs 1 crore if you want to get this target in 5, 10, 15 and 20 years?
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How to create Rs 1 crore corpus. Photo: Pexels/Representational
From 0 to Rs 1 crore: Creating the first Rs 1 crore in your life through your investment is not for a majority of people. In the initial year, the corpus grows slower as the power of compounding shows its impact in the long term. Once it is some years old, compound growth gathers pace and the corpus grows faster. In a few decades, your small investment grows faster than before. This is how the power of compounding helps you build a sizeable corpus from a small amount. So creating the first Rs 1 crore corpus from your investments might be a challenging task for many of us. But if you want to start your investment journey today and target building a Rs 1 crore corpus in a fixed time frame, how much monthly or one-time investment do you actually need? What if you want to create an Rs 1 crore corpus in 5, 10, 15, and 20 years? How much monthly and lump sum investment would you require at 12-15 per cent annualised growth?
Monthly SIP investment required to create Rs 1 cr corpus in 5 years
| Rate of return | Monthly SIP amount | Total investment | Total corpus |
| 12% | ₹123,299 | ₹7,397,940 | ₹10,000,000 |
| 13% | ₹120,284 | ₹7,217,040 | ₹10,000,000 |
| 14% | ₹117,349 | ₹7,040,940 | ₹10,000,000 |
| 15% | ₹114,492 | ₹6,869,520 | ₹10,000,000 |
Lump sum investment required to create Rs 1 cr corpus in 5 years
| Rate of return | Lump sum investment | Total corpus |
| 12% | ₹5,674,269 | ₹10,000,000 |
| 13% | ₹5,427,599 | ₹10,000,000 |
| 14% | ₹5,193,687 | ₹10,000,000 |
| 15% | ₹4,971,767 | ₹10,000,000 |
Monthly SIP investment required to create Rs 1 cr corpus in 10 years
| Rate of return | Monthly SIP amount | Total investment | Total corpus |
| 12% | ₹44,636 | ₹5,356,285 | ₹10,000,000 |
| 13% | ₹42,317 | ₹5,078,051 | ₹10,000,000 |
| 14% | ₹40,114 | ₹4,813,626 | ₹10,000,000 |
| 15% | ₹38,020 | ₹4,562,422 | ₹10,000,000 |
Lump sum investment required to create Rs 1 cr corpus in 10 years
| Rate of return | Lump sum investment | Total corpus |
| 12% | ₹3,219,732 | ₹10,000,000 |
| 13% | ₹2,945,883 | ₹10,000,000 |
| 14% | ₹2,697,438 | ₹10,000,000 |
| 15% | ₹2,471,847 | ₹10,000,000 |
Monthly SIP investment required to create Rs 1 cr corpus in 15 years
| Rate of return | Monthly SIP amount | Total investment | Total corpus |
| 12% | ₹21,011 | ₹3,782,058 | ₹10,000,000 |
| 13% | ₹19,285 | ₹3,471,387 | ₹10,000,000 |
| 14% | ₹17,693 | ₹3,184,673 | ₹10,000,000 |
| 15% | ₹16,224 | ₹2,920,345 | ₹10,000,000 |
Lump sum investment required to create Rs 1 cr corpus in 15 years
| Rate of return | Lump sum investment | Total corpus |
| 12% | ₹1,826,963 | ₹10,000,000 |
| 13% | ₹1,598,908 | ₹10,000,000 |
| 14% | ₹1,400,965 | ₹10,000,000 |
| 15% | ₹1,228,945 | ₹10,000,000 |
Monthly SIP investment required to create Rs 1 cr corpus in 20 years
| Rate of return | Monthly SIP amount | Total investment | Total corpus |
| 12% | ₹10,871 | ₹2,609,100 | ₹10,000,000 |
| 13% | ₹9,629 | ₹2,311,059 | ₹10,000,000 |
| 14% | ₹8,522 | ₹2,045,209 | ₹10,000,000 |
| 15% | ₹7,535 | ₹1,808,491 | ₹10,000,000 |
Lump sum investment required to create Rs 1 cr corpus in 20 years
| Rate of return | Lump sum investment | Total corpus |
| 12% | ₹1,036,668 | ₹10,000,000 |
| 13% | ₹867,823 | ₹10,000,000 |
| 14% | ₹727,617 | ₹10,000,000 |
| 15% | ₹611,003 | ₹10,000,000 |
(Disclaimer: This is not investment advice. Do your own due diligence or consult an expert for financial planning.)
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