How to Build a ₹10 Crore Corpus Through SIP?
By Akhil Chugh
Date Nov 30, 2025
Picture this.
You’ve reached a stage in life where the basics are taken care of. Your career, business, or investments already give you comfort and stability. Now the focus has shifted to something deeper—building a strong financial foundation that lasts, grows, and supports the life you envision for yourself and your family.
A ₹10 crore corpus often represents that sense of security.
Not extravagance – stability, freedom, and choice.
It’s the amount that lets you slow down if you wish, explore new opportunities, or pass on a meaningful legacy.
What many investors don’t realize is that reaching this milestone doesn’t require risky decisions or complicated financial products. It requires something far simpler: a disciplined Systematic Investment Plan (SIP), backed by the power of time and smart yearly adjustments.
Let us simplify the numbers, break down the timelines, and show you exactly how you can turn the ₹10 crore goal into a realistic plan that works around your life—not the other way around.
SIP Strategy to Reach ₹10 Crore:
A SIP ensures consistent investing while benefiting from rupee-cost averaging. The table below shows how your required monthly SIP reduces drastically as your investment horizon increases:
Illustration: Required SIP over Different Investment Horizon
Assuming 12% CAGR on equity mutual fund investments for SIP calculation.
Key Insights
- Longer horizons drastically reduce the required monthly contribution.
- Staying invested through market ups and downs enhances long-term compounding.
- SIPs bring discipline and consistency — two pillars of wealth-building.
Step-Up SIP Strategy: A Smarter Way to Grow Wealth
As income grows each year, your SIP contribution should grow too. A Step-Up SIP allows you to increase your monthly investment annually (e.g., by 10%), helping you accumulate wealth faster and reach your goal sooner.
Illustration: Starting Monthly SIP with 10% Annual Increase
Assuming 12% CAGR on equity mutual fund investments for SIP calculation.
With a Step-Up SIP, you invest at a pace that grows with you—starting small, increasing yearly, and letting time and compounding do most of the heavy lifting.
Here’s why this strategy works so well:
- It keeps your investment effortless.
- It naturally matches your rising income.
- It helps you reach big goals faster.
- It protects you from inflation.
5 Practical Steps to Start Your Journey Towards ₹10 Crore
1. Define Your Goal Clearly
Decide why you want this corpus—future security, legacy, lifestyle, or opportunities.
2. Start Early, Even If Small
Time multiplies your money far more than contribution size alone.
3. Increase SIP Annually
A simple yearly increase keeps you ahead of inflation and aligns with your income.
4. Stay Invested Through Cycles
Wealth grows quietly when you are patient through ups and downs.
5. Review and Rebalance Annually
A yearly check ensures your investments stay aligned with your evolving goals.
Conclusion:
Building a ₹10 crore corpus is not about chasing high returns—it’s about choosing a steady, well-planned approach that grows with you. With consistency, patience, and a strategic SIP plan, you can create a financial future that gives you comfort, flexibility, and complete peace of mind.
Ready to build a future that reflects your goals and your vision?
Connect with us and start your SIP journey with confidence.
Download our mutual fund app & start investing for your long-term financial goals.
Happy Investing!