Mutual Fund benefits: How much SIP is required for Rs 10 crore corpus
Discover how early investment in Mutual Fund SIPs and Post Office schemes can build substantial wealth, including a Rs 10 crore retirement corpus. Starting young leverages compound interest, significantly reducing monthly investment needs. Learn strategic approaches for long-term financial growth and securing your future with consistent, disciplined investing.
New Delhi: When it comes to investing your money, then every individual thinks that his money should be invested in such financial plans, from which benefits can be reaped. Therefore, Mutual Fund investments and post-office schemes are considered viable as SIPs are less risky as compared to shares and PO investment plans free from any market risk.
Starting early investment always proves beneficial for investors seeking substantial funds as compound interest becomes visible only in long term investments. As experts often say, the most important step in investing is to start early and the second is to give your money enough time to grow. Even a small monthly SIP can turn into a big retirement fund if you keep investing consistently. A 2025 report by FundsIndia Wealth Conversations states that if you invest regularly through SIP and earn around 12% annual returns, it is possible to create a fund of Rs 10 million by retirement.
Why Early Investment Matters: Compound Interest.
To achieve your goals through SIP, the most important thing is that you start early, the sooner the investment starts, the less you will have to invest. If you start at the age of 25, then a monthly SIP of just Rs 15,396 is enough. But starting at the age of 40, more than Rs 1 lakh per month will be needed to achieve this goal. The report emphasizes one important point.
Advantage of lump sum Mutual Fund investment
The same applies to one-time investments. If you invest Rs 1 lakh at the age of 20, then by the age of 60 it can increase to about Rs 93 lakh. If you invest the same amount at the age of 40, it will only increase to Rs 9 lakh. It takes time to grow money. The sooner you start planning for retirement, the more benefits you will get. Important note: Mutual Investments do not guarantee fixed returns, it varies as per the market conditions.
Mutual Fund SIP Calculator: Achieve Your Rs 10 Crore Corpus Goal
- At the age of 25 years: Monthly SIP Rs 15,396 or a duration of 35 years could create a Rs 10 crore corpus after 35 years
- At the age of 30 years: Monthly SIP Rs 28,329 in a period of 30 years could lead to accumulation of Rs 10 crore fund after 30 years.
- At the age of 35 years: Monthly SIP of Rs 52,697 for a duration of 25 years, Rs 10 crore corpus can be created after 25 years.
- At the age of 40 years - Monthly SIP of Rs 1,00,085 for a period of 20 years could create a Rs 10 crore lumpsum fund after 20 years
If you start SIP at the age of Rs 25, then a monthly investment of about Rs 15,000 is enough to make Rs 10 million by the age of 60. If you start at the age of 30, you will need Rs 28,000 per month. If you start at the age of 35, then Rs 52,000 per month and at the age of 40 you will need about Rs 1 lakh rupees.