How much SIP is needed to reach ₹10 lakh in 15 years?
To reach ₹10 lakh in 15 years at 12% a year, invest about ₹2,101 a month. You put in ₹3.78 L and growth supplies ₹6.22 L.
- Monthly SIP needed
- ₹2,101 (good)
- For 15 years at 12% a year
- Money you put in
- ₹3.78 L
- 38% of the goal
- Growth
- ₹6.22 L (good)
- 62% of the goal
- Goal in today's money
- ₹4.17 L
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹1,209
- Ends at ₹4,589 a month
Open the Goal SIP Calculator with these numbers filled in
The numbers in charts
Your money vs growth in reaching the goal
- Your money₹3.78 L · 37.8%
- Growth₹6.22 L · 62.2%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹3.78 L | 37.8% |
| Growth | ₹6.22 L | 62.2% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹25,214 | ₹1,611 | ₹26,824 |
| 2 | ₹50,427 | ₹6,440 | ₹56,867 |
| 3 | ₹75,641 | ₹14,875 | ₹90,516 |
| 4 | ₹1.01 L | ₹27,347 | ₹1.28 L |
| 5 | ₹1.26 L | ₹44,342 | ₹1.7 L |
| 6 | ₹1.51 L | ₹66,401 | ₹2.18 L |
| 7 | ₹1.76 L | ₹94,134 | ₹2.71 L |
| 8 | ₹2.02 L | ₹1.28 L | ₹3.3 L |
| 9 | ₹2.27 L | ₹1.69 L | ₹3.96 L |
| 10 | ₹2.52 L | ₹2.19 L | ₹4.71 L |
| 11 | ₹2.77 L | ₹2.77 L | ₹5.54 L |
| 12 | ₹3.03 L | ₹3.45 L | ₹6.47 L |
| 13 | ₹3.28 L | ₹4.24 L | ₹7.52 L |
| 14 | ₹3.53 L | ₹5.16 L | ₹8.69 L |
| 15 | ₹3.78 L | ₹6.22 L | ₹10 L |
SIP for ₹10 lakh in 15 years at different returns
A higher return cuts the SIP you need, but it also raises the risk that the goal is missed; a rising SIP lowers the starting amount.
| Yearly return | Flat monthly SIP | Year-1 SIP, rising 10% a year | Total you invest (flat SIP) | Share that is growth |
|---|---|---|---|---|
| 8% | ₹2,943 | ₹1,590 | ₹5.3 L | 47% |
| 10% | ₹2,490 | ₹1,389 | ₹4.48 L | 55% |
| 12% | ₹2,101 | ₹1,209 | ₹3.78 L | 62% |
| 14% | ₹1,769 | ₹1,048 | ₹3.18 L | 68% |
Year by year: ₹2,101 a month towards ₹10 lakh
Watch the growth share climb: in the early years most of the balance is your own money, near the end most of it is growth.
| Year | You have put in | Value | Growth | Growth share |
|---|---|---|---|---|
| 1 | ₹25,214 | ₹26,824 | ₹1,611 | 6% |
| 2 | ₹50,427 | ₹56,867 | ₹6,440 | 11% |
| 3 | ₹75,641 | ₹90,516 | ₹14,875 | 16% |
| 4 | ₹1.01 L | ₹1.28 L | ₹27,347 | 21% |
| 5 | ₹1.26 L | ₹1.7 L | ₹44,342 | 26% |
| 7 | ₹1.76 L | ₹2.71 L | ₹94,134 | 35% |
| 10 | ₹2.52 L | ₹4.71 L | ₹2.19 L | 46% |
| 12 | ₹3.03 L | ₹6.47 L | ₹3.45 L | 53% |
| 15 | ₹3.78 L | ₹10 L | ₹6.22 L | 62% |
Questions about this scenario
How much SIP is needed to reach ₹10 lakh in 15 years?
About ₹2,101 a month at 12% a year. You invest ₹3.78 L in total and growth adds ₹6.22 L. At 10% the SIP rises to ₹2,490, and at 8% it is ₹2,943, so the return you assume changes the answer a lot.
Can I reach ₹10 lakh in 15 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹1,209 a month rather than ₹2,101 and reaches the same ₹10 lakh at 12%. By year 15 you would be investing ₹4,589 a month, so it suits people whose income grows.
What does ₹10 lakh in 15 years mean in today's money?
With 6% yearly inflation, ₹10 lakh received after 15 years buys what ₹4.17 L buys today. To end up with ₹10 lakh of today's buying power you need ₹23.97 L in future rupees, which needs a SIP of about ₹5,036 a month.
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What the numbers say about ₹10 lakh in 15 years
Of the ₹10 L, you contribute ₹3.78 L (38%) and compounding at 12% supplies ₹6.22 L (62%). Every rupee you put in ends up as about 2.64 rupees at the finish.
Growth overtakes your own contributions in year 12, when the balance reaches ₹6.47 L against ₹3.03 L invested. At the halfway mark, year 7, you hold only ₹2.71 L, 27% of the goal, which is why the middle of a long SIP feels slow.
The final year adds about ₹1.06 L of growth on its own, 10.6% of the goal. Waiting one year to start means building the same ₹10 lakh in 14 years, which lifts the SIP from ₹2,101 to ₹2,418 (15% more); waiting three years takes it to ₹3,246.
If your pay rises, a SIP that increases 10% a year can start at ₹1,209 instead and finish at ₹4,589 a month in year 15. Should ₹10 lakh mean what it buys today, the figure must first grow by 6% a year to ₹23.97 L, and the SIP becomes ₹5,036. In today's rupees the ₹10 lakh you will actually receive is worth ₹4.17 L.
The calculation assumes a steady 12% every year. At 8% you would need ₹2,943 a month instead, and equity returns are far from steady, so many people aim a little above the figure or add a safety margin as the date approaches.