SIP Calculator: Can a SIP of ₹15,000 Make One Crore in 20 Years?

The beauty of SIP lies in two principles: discipline and compounding. Even modest monthly contributions, when invested wisely, can expand into significant wealth over decades. Unlike lump-sum investing, SIPs allow you to benefit from rupee cost averaging, reducing the impact of market volatility. 

Over time, your invested amount not only grows, but the returns themselves generate additional returns, creating an exponential growth effect. Many aspiring investors wonder whether small monthly investments can grow into a substantial corpus over time. With the right fund choice and a consistent approach, a ₹15,000 monthly SIP could potentially turn into a life-changing corpus.

What Will Happen with ₹15,000 SIP?

Let’s break it down:

• Monthly SIP: ₹15,000
• Duration: 20 years
• Expected Annual Return: 12%
• Total Invested: ₹15,000 × 12 × 20 = ₹36,00,000
• Expected Returns: ₹1,13,87,219
• Total Corpus: ₹1,49,87,219

This shows that a consistent SIP of ₹15,000 can not only make you a crorepati but also leave you with nearly ₹1.5 crore, assuming an average return of 12%.

The Power of Compounding

Compounding is the engine behind wealth creation. Your investment earns returns, and those returns generate even more returns. Over 20 years, this exponential growth can significantly amplify your corpus, turning modest monthly investments into a substantial sum.

Curious to see your own SIP growth? Use a SIP calculator to input your monthly investment, duration, and expected returns. 

Also Read: Best 10 Balanced Advantage Mutual Funds for February 2026 Based On 5‑Year CAGR: HDFC, Axis and More

Conclusion

A ₹15,000 monthly SIP, disciplined over 20 years with a reasonable 12% return, can help you comfortably cross the ₹1 crore mark, and potentially reach ₹1.5 crore. The key lies in starting early, staying consistent, and letting compounding do its magic. Whether you’re a beginner or seasoned investor, now is the perfect time to kickstart your SIP journey and watch your wealth grow steadily over time.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.