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How Much SIP for ₹50 lakh in 15 years?

To reach ₹50 lakh in 15 years, invest about ₹10,000 a month at a 12% yearly return. At 10% you would need about ₹12,000 a month.

Goal
₹50,00,000
Time
15 years
Monthly SIP at 12%
₹9,909
Monthly SIP at 10%
₹11,964
You put in (at 12%)
₹17,83,676
Growth does the rest
₹32,16,324

With a yearly step-up

If you raise the SIP by 10% every year, you can start lower. A step-up SIP starting at about ₹5,800 a month reaches the same goal.

Year by year

YearYou put inIt becomes
1₹1,18,912₹1,26,932
2₹2,37,823₹2,69,961
3₹3,56,735₹4,31,131
4₹4,75,647₹6,12,741
5₹5,94,559₹8,17,383
6₹7,13,470₹10,47,979
7₹8,32,382₹13,07,821
8₹9,51,294₹16,00,617
9₹10,70,205₹19,30,547
10₹11,89,117₹23,02,320
11₹13,08,029₹27,21,243
12₹14,26,941₹31,93,297
13₹15,45,852₹37,25,218
14₹16,64,764₹43,24,601
15₹17,83,676₹50,00,000

Monthly SIP needed at different returns

Yearly returnMonthly SIP needed
10%₹12,000
12% (this page)₹10,000
14%₹8,200

Starting earlier lowers the monthly amount far more than chasing a higher return.

Good to know

  • Keep goal money in safer funds as the goal date comes close.
  • Revisit the SIP every year; raise it if returns were low.

Try your own numbers

Similar answers

Rates used: October–December 2026 where a government rate applies. Results are estimates.