How to Make 1 Crore in 5 Years in SIP?

To make ₹1 crore in 5 years through a Systematic Investment Plan (SIP), you need to invest a substantial monthly amount, depending on the expected rate of return. Assuming a moderate annual return of around 9%—typical for hybrid or large-cap mutual funds suitable for a 5-year horizon—you would need to start a monthly SIP of approximately ₹1,31,5976.

How is this calculated? You may use the SIP Calculator to calculate this.

The future value of SIP investments is computed using the formula:

FV=P×((1+r)n−1r)×(1+r)FV=P×(r(1+r)n−1)×(1+r)

Where:

PP = monthly SIP amount,

rr = monthly rate of return (annual return/12),

nn = total number of months (60 for 5 years).

Using this, a ₹1,31,597 monthly SIP at 9% annual return compounded monthly can grow to ₹1 crore in 5 years.