Power of Rs 9,000 SIP: How many years will it take to generate Rs 6,00,00,000 corpus with just Rs 9,000 monthly investment?
Turn a monthly SIP of Rs 9,000 into Rs 6 crore with time and consistency. Discover how long it takes and why starting early maximises your mutual fund returns.
SIP Calculator: Can a simple Rs 9,000 monthly SIP help you build a massive Rs 6 crore retirement corpus? The answer is yes — with time, discipline and the power of compounding. A Systematic Investment Plan (SIP) allows you to invest regularly in mutual funds, making wealth creation accessible to everyone. In this article, we will break down how a small, consistent investment can grow significantly over the years and reveal how long it takes to reach your financial goals.
(Disclaimer: Don't consider this as an investment advice. Do your own due diligence or consult an expert for financial planning)
What is a Systematic Investment Plan (SIP)?
A SIP allows investors to invest a fixed amount in mutual funds at regular intervals — daily, weekly, monthly, or annually. It promotes disciplined investing and helps build wealth over time.
How does a SIP work for beginners?
SIPs are automated and beginner-friendly. Once activated, your chosen amount is deducted from your bank account and invested in selected mutual funds at the predefined schedule.
When should you start a SIP?
There’s no perfect time — the earlier, the better. Starting early in life gives your money more time to grow through the power of compounding.
Why starting early in SIP gives bigger returns
Let’s compare two investors:
- Priya starts investing Rs 1,000 per month at 20. After 40 years, she builds nearly Rs 98 lakh.
- Her husband starts at 30. After 30 years, he accumulates just Rs 30 lakh.
- Starting 10 years earlier helped Priya earn 3 times more.
How to build Rs 6 crore corpus with Rs 9,000 SIP
Want a Rs 6 crore retirement fund? If you invest Rs 9,000 every month in a SIP with 12% annual returns, you will hit the target in about 39 years. Patience and consistency are key.
How much can Rs 6,000 monthly SIP build in 10 years?
The investment amount will be Rs 10,80,000 the capital gains will be Rs 9,36,323 and the estimated retirement corpus will be Rs 20,16,323.
How much can Rs 6,000 monthly SIP build in 20 years?
The investment amount will be Rs 21,60,000 the capital gains will be Rs 61,18,716 and the estimated retirement corpus will be Rs 82,78,716.
How much can Rs 6,000 monthly SIP build in 32 years?
The investment amount will be Rs 34,56,000 the capital gains will be Rs 3,15,70,540 and the estimated retirement corpus will be Rs 3,50,26,540.
How much can Rs 6,000 monthly SIP build in 39 years?
The investment amount will be Rs 39,96,000 the capital gains will be Rs 5,84,62,664 and the estimated retirement corpus will be Rs 6,24,58,664.