How to Save 1 Crore with Just ₹5000 Monthly SIP

Infographic showing how a ₹5000 monthly SIP in mutual funds can grow to ₹1 crore in 20–25 years with a graph, money icon, and target symbol.
Many people dream of becoming crorepatis, but few realize it can begin with just ₹5000 a month. Thanks to Systematic Investment Plans (SIPs), even small, consistent investments can help you save ₹1 crore with SIP over time.

✅ What is a SIP?

A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds at regular intervals. It removes market timing stress and builds long-term wealth through disciplined investing.

🔢 The Math: ₹5000 Monthly SIP to ₹1 Crore

Assuming a 12% annual return (based on equity mutual fund averages), here’s how much you could earn:

Investment Term Monthly SIP Expected Return Maturity Amount
20 Years ₹5000 12% ₹50.4 Lakhs
25 Years ₹5000 12% ₹1.03 Crore

💡 Tip: The earlier you start, the more you benefit from compounding!

📈 Why SIP is the Best Way to Save ₹1 Crore

  • Power of Compounding: Reinvested earnings grow exponentially.
  • Rupee Cost Averaging: Smooths market volatility over time.
  • Discipline: Promotes regular savings habit.
  • Flexibility: Easy to increase SIP as your income grows.

🧮 Try It Yourself

Use the SIP & Home Loan EMI Calculator app to:

  • Calculate SIP maturity
  • Estimate how long it takes to reach ₹1 crore
  • Visualize your investment growth with graphs
  • Try step-up SIPs and compare returns

📲 Download the App

Simplify your wealth-building journey now:

SIP & Home Loan EMI Calculator

🛑 Final Tips

  • Start early and be consistent
  • Don’t stop SIPs during market dips
  • Review funds annually
  • Increase SIP amounts with your income