How Much to Invest in SIP for 1 Crore?

You might think – How is this possible to invest ₹ 5000 in SIP for 1 Crore? Is this really possible?

The answer to this question is yes.

You can possibly make 1 Crore with investing merely ₹ 5000 in mutual funds SIP. In this article, I am going to discuss on my complete plan to make you “CROREPATI”.

Everybody has one dream in his or her lifetime to become “CROREPATI” if I’m not wrong. Isn’t it?

For those who are already CROREPATI, this article might not relate to your views. But, still you can read as it might boost your financial goals in some manner.

Lets begin,

₹ 5000 SIP for 1 Crore

Yes saving ₹ 5000 per month can make you earn 1 crore. Here is all you need.

First of all you need to start SIP. If you don’t know what about SIP and how to start investing through SIP, check my article link below.

How to start SIP investment – Step by Step Guide

So once you decided to start SIP with ₹ 5000 break it to invest across multiple mutual funds. With considering future economy what I will suggest is,

15% amount must be invested in IT sector mutual funds

30% amount in large cap and mid cap mutual funds

15% in balance / blue-chip mutual funds

20% amount in US equity mutual funds

10% amount in small cap mutual funds

remaining 10% you can select any hybrid category mutual funds

Now investing monthly ₹ 5000 for 17 years with 17% expected return will make net amount of 1 CRORE. You can try calculating this with any online SIP calculator.

If you are at your 20’s then investing only ₹ 5000 per month will make you CROREPATI at very early age. Later, 1 crore can be reinvested in form of FD to get fixed monthly secondary income. Once can fulfill all their lifetime dreams with early retirement plan.

However, you can use SIP calculator to change your term period, rate of interest (%) and SIP amount for expected returns. I have shared link below to online SIP calculator.

Online Mutual Fund SIP Calculator

Here is couple of mostly search combinations of SIP for 1 crore.

SIP for 1 Crore in 10 Years

If you want to make 1 crore through SIP in 10 years then you might have to increase your monthly SIP amount. Here are below few possibilities,

1. If you consider minimum average return of 12% over the 10 years of investment term then you need monthly SIP of ₹ 43,050.
2. For average expected returns are 15% you need to start monthly SIP of amount ₹ 35,900.
3. If you get average expected returns of 20% then you need to have monthly SIP of ₹ 26,160.
4. In case expected returns are 25% then SIP amount will reduced to ₹ 18770.

1 Crore in 15 Years SIP

Similarly, to make 1 crore in 15 years with expected return of 12% you need SIP of ₹ 19,820.

With consideration of 15% returns SIP amount will slightly reduced to ₹ 14,780.

Conclusion

Thus, we have checked all possible variations for SIP investment in order to earn 1 Crore. Remember, the early you start investing the better results you get in terms of profits.

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Disclaimer : All are advised to concern their financial advisers before investing in mutual funds. Mutual funds are subjects to market risk.