SIP Calculator —
20 Year Returns

At 12% annual return, a ₹10,000/month SIP for 20 years builds an extraordinary corpus of approximately ₹99.9 lakhs — nearly ₹1 crore. You invest ₹24 lakhs total, generating ₹75.9 lakhs in pure returns. This is the power of a 20-year compounding horizon — your returns are more than 3× your invested amount.

Yes — easily, if you start early. At 12% annual return: ₹10,000/month SIP for 20 years reaches ₹99.9 lakhs (just under ₹1 crore). ₹11,000/month crosses ₹1 crore. With a 10% step-up, even ₹7,000/month starting investment reaches ₹1 crore in 20 years. Starting early is the single biggest lever for becoming a crorepati through SIP.

The impact is dramatic. Starting ₹10,000/month SIP at age 25 (for 20 years at 12%) gives ₹99.9 lakhs at 45. Starting the same SIP at 30 (15 years) gives only ₹50.4 lakhs. The 5-year delay costs ₹49.5 lakhs — nearly cutting the corpus in half. This illustrates why starting early is the most powerful wealth-creation strategy available to young investors.

Inflation significantly erodes the real purchasing power of a future corpus. ₹1 crore in 20 years at 6% inflation has the purchasing power of only ₹31.2 lakhs in today's money. This is why financial planners recommend targeting a corpus that accounts for inflation: if you need ₹50 lakhs in today's money at retirement, you should target ₹1.6 crores in 20 years.

For most retail investors, SIP is superior over a 20-year horizon. SIP enforces discipline, eliminates timing risk via rupee cost averaging, and works automatically from your salary. Lumpsum can marginally outperform SIP in consistently rising markets, but most investors lack both the capital and the discipline to deploy lumpsum at market bottoms. A hybrid approach — SIP for regular income, lumpsum during market dips — is often recommended by advisors.