How much SIP for ₹5 crore?
To reach ₹5 crore at 12% a year you need about ₹99,093 a month over 15 years, or ₹50,043 a month over 20. The calculator below is pre-filled at ₹5 crore, and the table shows every term.
Reaching ₹5 crore
Priced in today’s money. The inflation field converts it to what you will actually need.
An assumption, not a promise. Equity funds are usually modelled at 10–12%; see what rate to assume.
Leave at 0 to aim at the literal figure. Set 6% to target ₹5 crore of today’s purchasing power instead.
What it takes
What you investWhat compounding adds
| Year | Monthly | Invested so far | Returns | Value at year end |
|---|---|---|---|---|
| 1 | ₹99,093 | ₹11,89,117 | ₹80,199 | ₹12,69,316 |
| 2 | ₹99,093 | ₹23,78,234 | ₹3,21,379 | ₹26,99,613 |
| 3 | ₹99,093 | ₹35,67,352 | ₹7,43,956 | ₹43,11,308 |
| 4 | ₹99,093 | ₹47,56,469 | ₹13,70,937 | ₹61,27,405 |
| 5 | ₹99,093 | ₹59,45,586 | ₹22,28,244 | ₹81,73,830 |
| 6 | ₹99,093 | ₹71,34,703 | ₹33,45,089 | ₹1,04,79,792 |
| 7 | ₹99,093 | ₹83,23,820 | ₹47,54,388 | ₹1,30,78,208 |
| 8 | ₹99,093 | ₹95,12,938 | ₹64,93,231 | ₹1,60,06,168 |
| 9 | ₹99,093 | ₹1,07,02,055 | ₹86,03,412 | ₹1,93,05,467 |
| 10 | ₹99,093 | ₹1,18,91,172 | ₹1,11,32,027 | ₹2,30,23,199 |
| 11 | ₹99,093 | ₹1,30,80,289 | ₹1,41,32,144 | ₹2,72,12,433 |
| 12 | ₹99,093 | ₹1,42,69,406 | ₹1,76,63,561 | ₹3,19,32,967 |
| 13 | ₹99,093 | ₹1,54,58,524 | ₹2,17,93,659 | ₹3,72,52,183 |
| 14 | ₹99,093 | ₹1,66,47,641 | ₹2,65,98,367 | ₹4,32,46,008 |
| 15 | ₹99,093 | ₹1,78,36,758 | ₹3,21,63,242 | ₹5,00,00,000 |
Retirement-scale, and whether it is enough
₹5 crore is retirement-scale money, which makes it the one goal on this site where the right question is not "how do I get there" but "is that actually the right target".
Reaching it takes ₹26,349 a month over 25 years at 12%, or ₹14,165 over 30 — serious commitments that assume a high income sustained for decades.
Now test whether ₹5 crore funds a retirement. In 25 years at 6% inflation it is worth about ₹1.16 Cr in today's money. Drawing an inflation-adjusted income from it at a real rate of around 1% — which is what a 7% portfolio against 6% inflation gives you — supports roughly ₹41,667 a month at the start, rising with prices, for 25 years.
Which may be plenty or may be short, depending entirely on what you spend. That is the point: a round number is not a plan. Work backwards from your actual monthly spending using the retirement planner, which inflates your costs to the retirement date and computes the corpus that funds them — rather than picking a target because it sounds like enough.
At this level the constraints are also no longer purely arithmetic: tax, allocation, sequence risk and estate planning all matter, and all of them are worth professional advice.
Monthly SIP needed for ₹5 crore
The fourth column is the share of the target supplied by compounding rather than by you — which is the strongest argument for a longer term.
| Term | Monthly SIP | Total invested | Compounding’s share | Or one-time today |
|---|---|---|---|---|
| 5 years | ₹6,06,161 | ₹3,63,69,647 | 27% | ₹2,83,71,343 |
| 10 years | ₹2,15,203 | ₹2,58,24,326 | 48% | ₹1,60,98,662 |
| 15 years | ₹99,093 | ₹1,78,36,758 | 64% | ₹91,34,813 |
| 20 years | ₹50,043 | ₹1,20,10,234 | 76% | ₹51,83,338 |
| 25 years | ₹26,349 | ₹79,04,576 | 84% | ₹29,41,165 |
| 30 years | ₹14,165 | ₹50,99,275 | 90% | ₹16,68,896 |
Questions people actually ask
How much SIP do I need for ₹5 crore in 10 years?
About ₹2,15,203 a month at 12% a year. Over 15 years it drops to ₹99,093, and over 20 to ₹50,043 — 77% less for doubling the time.
Will ₹5 crore be enough by then?
In purchasing power, no — not if you mean ₹5 crore as it feels today. At 6% inflation, ₹5 crore in 20 years buys about ₹1.56 Cr of today's goods.
To target ₹5 crore of today's value, set the inflation field above to 6%. The required instalment rises to ₹2,37,482 a month over 15 years.
Can I reach ₹5 crore with a one-time investment instead?
Yes, and it takes less total money because it compounds for the whole period: ₹91,34,813 invested today reaches ₹5 crore in 15 years at 12%.
The table above shows the one-time figure for every term. The lump sum calculator works it the other way round.