Are you dreaming of building a corpus of ₹3 Crore? Believe it or not, you can achieve this goal by investing just ₹10,000 per month through a Systematic Investment Plan (SIP). SIPs offer a disciplined, low-risk, and effective way to accumulate wealth over time. Let’s understand how this works and where to invest smartly.
What is SIP?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in a mutual fund scheme. It allows you to invest small amounts periodically (monthly or quarterly) and benefit from the power of compounding and rupee cost averaging.
How ₹10,000 Monthly Can Become ₹3 Crore
To reach a target of ₹3 Crore, here’s how the math works:
| Monthly SIP | Duration | Expected Return (CAGR) | Final Corpus |
|---|---|---|---|
| ₹10,000 | 25 Years | 12% p.a. | ₹3.0 Crore |
| ₹10,000 | 20 Years | 14% p.a. | ₹2.5+ Crore |
👉 Note: The longer you invest and the higher the return, the faster you reach ₹3 Crore.
Best Investment Options for SIP
- Equity Mutual Funds
- Ideal for long-term SIPs (10+ years)
- Historically offer 12–15% returns
- Examples:
- Mirae Asset Large Cap Fund
- Axis Bluechip Fund
- SBI Small Cap Fund
- Index Funds (Low-cost option)
- Passive investing
- Tracks indices like Nifty 50 or Sensex
- Lower risk than actively managed equity funds
- Balanced/Hybrid Funds
- Mix of equity and debt
- Lower volatility
- Suitable for moderate-risk investors
Tips to Grow Your SIP to ₹3 Crore
- Start Early: Time is your biggest asset in compounding.
- Be Consistent: Don’t skip SIPs even during market crashes.
- Step-up SIP: Increase SIP amount yearly as your income grows.
- Choose High-Performing Funds: Review performance every year.
- Stay Invested Long-Term: Minimum 20–25 years for big returns.
Tax Benefits of SIP
- ELSS Funds (Equity-Linked Saving Scheme) offer up to ₹1.5 lakh tax deduction under Section 80C.
- Long-term capital gains (LTCG) up to ₹1 lakh per year are tax-free.
Final Thoughts
With patience, consistency, and smart fund selection, a ₹10,000 monthly SIP can help you create a massive ₹3 Crore wealth over 20–25 years. SIP is not just an investment—it’s a habit of financial discipline that builds your future.
Rahul Prajapati