{"id":2850,"date":"2026-09-16T16:34:41","date_gmt":"2026-09-16T11:04:41","guid":{"rendered":"https:\/\/www.freelistingindia.in\/blog\/?p=2850"},"modified":"2026-09-16T16:35:44","modified_gmt":"2026-09-16T11:05:44","slug":"how-to-make-1-cr-in-5-years-with-sip-investment","status":"publish","type":"post","link":"https:\/\/www.freelistingindia.in\/blog\/how-to-make-1-cr-in-5-years-with-sip-investment\/","title":{"rendered":"How to make \u20b91 Cr in 5 years with SIP investment?"},"content":{"rendered":"
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\n \t<\/i> Read Time:<\/span>3 Minute, 2 Second <\/div>\n\n <\/div>\n

Coming from an Indian family, most of us would have certainly heard the age-old money tips: Park your money in an FD, purchase gold, or make investments in property. However, today the systematic investment plan is the most common route taken by young professionals for wealth creation. But can a monthly SIP really assist you in accumulating an enormous \u20b91 crore in just five years?<\/p>\n\n\n\n

It totally depends on how much you save each month, how disciplined you are in saving money, and the returns from your portfolio. Let\u2019s take a closer look.<\/p>\n\n\n\n

<\/a>How much do you need to invest?<\/h2>\n\n\n\n

Creating a fund worth \u20b91 crore in 60 months requires a significant monthly contribution. Assuming that the rate of return on investment is at 15% per annum, you will need to invest an amount of approximately \u20b91.20 lakhs every single month right from day one.<\/p>\n\n\n\n

But market returns are never constant nor assured. Equity mutual funds are market-based investment options, and thus the performance is subject to change every year. Hence, your ability to save is the most important factor for achieving your objective.<\/p>\n\n\n\n

<\/a>Can a step-up SIP help?<\/h2>\n\n\n\n

Monthly investments of \u20b91.15 lakh from the first month are not feasible for many salaried individuals. Here enters the concept of a step-up SIP, making the process easy. By this method, you can begin by investing a lower amount every month and increase your investment on an annual basis based on the rise in your salary through your appraisals or change in jobs.<\/p>\n\n\n\n

By using the step up SIP calculator<\/u><\/a> , you can plan different initial contributions and yearly increments, which enables you to invest your money every month according to your salary.<\/p>\n\n\n\n

Feature<\/strong><\/td>Fixed Regular SIP<\/strong><\/td>Step-Up SIP Strategy<\/strong><\/td><\/tr>
Target corpus<\/strong><\/td>\u20b91 Crore<\/td>\u20b91 Crore<\/td><\/tr>
Investment period<\/strong><\/td>5 years<\/td>5 years<\/td><\/tr>
Assumed annual return<\/strong><\/td>15%<\/td>15%<\/td><\/tr>
Starting monthly amount<\/strong><\/td>~\u20b91,15,000<\/td>~\u20b989,000<\/td><\/tr>
Annual step-up hike<\/strong><\/td>0%<\/td>15% per year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/a>What kind of mutual funds should you choose?<\/h2>\n\n\n\n

Selection of suitable mutual funds is vital since five years is a relatively shorter period in equity markets. You will have to select funds that provide a good growth outlook with safety against market dips.<\/p>\n\n\n\n