Systematic Investment Plans or SIPs have become a preferred method for long-term investment. With the power of compounding, consistent contributions, and disciplined investing, SIPs can transform modest monthly savings into a substantial investment.
Let us understand how a structured approach can take you closer to a ₹10 crore milestone.
SIP investing allows investors to contribute a fixed amount at regular intervals, usually monthly, into mutual funds. The concept rests on the principle of disciplined investing and compounding. By contributing steadily over time, investors can benefit from rupee cost averaging, which helps smooth out market volatility. More importantly, the compounding effect amplifies returns when the investment is sustained for long durations.
To understand what it takes to reach the ₹10 crore mark, let us take an example of a monthly SIP of ₹28,350 invested for 30 years with an expected return of 12%.
This example highlights the enormous role of compounding. Although the invested amount is around ₹1 crore, the final corpus exceeds ₹10 crore, driven by accumulated returns.
Plan your investment with our SIP Calculator and see how your monthly investments can grow into ₹10 crore over time.
Compounding is the process by which returns earned on investment are reinvested, generating further earnings. Over time, this snowball effect can result in exponential growth. In the example, the invested amount of just over ₹1 crore grows nearly ten times because of the reinvestment of returns over 3 decades.
Read More: SIP Calculator: Start with ₹17,000 a Month for 25 Years—See How It Can Grow!
Reaching a goal of ₹10 crore through SIP investing is possible with disciplined contributions, consistent duration, and the magic of compounding. The example shows how a monthly SIP of ₹28,350 for 30 years at 12% returns can help create a corpus exceeding ₹10 crore, proving that time and consistency are powerful allies in long term investment.
Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or 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.
Mutual Fund investments are subject to market risks. Read all the related documents carefully before investing.
Published on: Sep 26, 2025, 3:28 PM IST
Team Angel One
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