{"id":18248,"date":"2025-10-07T19:02:47","date_gmt":"2025-10-07T19:02:47","guid":{"rendered":"http:\/\/tezgyan.com\/index.php\/2025\/10\/07\/how-to-build-rs-1-crore-wealth-why-rs-10000-sip-isnt-enough-without-a-step-up-plan-savings-and-investments-news\/"},"modified":"2025-10-07T19:02:47","modified_gmt":"2025-10-07T19:02:47","slug":"how-to-build-rs-1-crore-wealth-why-rs-10000-sip-isnt-enough-without-a-step-up-plan-savings-and-investments-news","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2025\/10\/07\/how-to-build-rs-1-crore-wealth-why-rs-10000-sip-isnt-enough-without-a-step-up-plan-savings-and-investments-news\/","title":{"rendered":"How To Build Rs 1 Crore Wealth: Why Rs 10,000 SIP Isn\u2019t Enough Without A Step-Up Plan | Savings and Investments News"},"content":{"rendered":"


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Last Updated:<\/span>

Can we build by investing Rs 10,000 per month for next 10-12 years?\u00a0<\/h2>\n
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Rs 10,000 SIP Dreaming of Rs 1 Crore? Here\u2019s the Real Math Behind It<\/p>\n<\/figure>\n

Mutual funds (MFs) are a great investment tool that allows investors to invest in equity market without having prior experience. It helps investors build a wealth corpus to attain financial freedom after a certain age and take retirement from the 9-to-5 grind. The target and age are totally dependent on people, as they could be different from one person to another.<\/p>\n

A most usual target that comes to mind for people is Rs 1 crore. There\u2019s a psychological comfort in that mark to attain in one\u2019s life, especially for middle-class individuals, offering safety and security in terms of financial.<\/p>\n

Then comes the most relevant question: How much do one need to save per month to build that corpus?<\/p>\n

Can we build by investing Rs 10,000 per month for next 10-12 years?<\/p>\n

Ravi Kumar TV, Co-founder of Gaining Ground Investment Services, told ET Wealth that building a corpus of Rs 1 crore with an SIP of Rs 10,000 per month is unrealistic.<\/p>\n

He explained that investors would either need to raise their monthly SIP to around Rs 25,000\u201330,000 at 12\u201315% returns or extend their investment horizon to about 18 years. Kumar advised starting with Rs 10,000 monthly and increasing the SIP by at least 15% every year.<\/p>\n

He added that splitting the amount between two funds or investing in one makes little difference\u2014what truly matters is fund quality, consistency, and regular review.<\/p>\n

Estimated Table<\/h4>\n
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If you increase SIP by 15% every year, the total corpus grows faster.
For Rs 10,000\/month, 15% annual increase, and 12% returns over 15 years \u2014 you can reach close to Rs 1 crore.<\/p>\n

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SIP\/month<\/th>\nTenure<\/th>\nReturn<\/th>\nStep-up<\/th>\nCorpus<\/th>\n<\/tr>\n<\/thead>\n
Rs 10,000<\/td>\n10 yrs<\/td>\n12%<\/td>\nNo<\/td>\nRs 23 lakh<\/td>\n<\/tr>\n
Rs 10,000<\/td>\n12 yrs<\/td>\n12%<\/td>\nNo<\/td>\nRs 30 lakh<\/td>\n<\/tr>\n
Rs 10,000<\/td>\n18 yrs<\/td>\n12%<\/td>\nNo<\/td>\nRs 1 crore<\/td>\n<\/tr>\n
Rs 10,000<\/td>\n15 yrs<\/td>\n12%<\/td>\n15% yearly<\/td>\nRs 1 crore<\/td>\n<\/tr>\n
Rs 30,000<\/td>\n12 yrs<\/td>\n12%<\/td>\nNo<\/td>\nRs 90 lakh\u20131 crore<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
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Business Desk<\/a><\/p>\n

A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al…Read More<\/span><\/p>\n<\/div>\n<\/div>\n

A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al… Read More<\/span><\/p>\n<\/div>\n<\/div>\n

First Published:<\/span><\/p>\n
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October 07, 2025, 17:45 IST<\/p>\n<\/div>\n<\/div>\n

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Last Updated:October 07, 2025, 17:45 IST Can we build by investing Rs 10,000 per month for next 10-12 years?\u00a0 Rs 10,000 SIP Dreaming of Rs 1 Crore? Here\u2019s the Real Math Behind It Mutual funds (MFs) are a great investment tool that allows investors to invest in equity market without having prior experience. It helps…<\/p>\n","protected":false},"author":1,"featured_media":18249,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-18248","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/18248","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=18248"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/18248\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/18249"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=18248"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=18248"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=18248"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}