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Answer

How long to reach ₹25 lakh with a ₹10,000 monthly SIP?

At an expected 12% annualised return, a ₹10,000 monthly SIP reaches ₹25 lakh in approximately 10 years 6 months.

Scenario
Time to reach
Total invested
Conservative (10%)
11 years 4 months
₹13.57 lakh
Expected (12%)
10 years 6 months
₹12.59 lakh
Optimistic (14%)
9 years 10 months
₹11.77 lakh

Run your own scenario — try a higher SIP or a different target.

Open the SIP calculator with these inputs

A ₹10,000 monthly SIP compounding at 12% per annum reaches ₹25 lakh in 10 years 6 months. Of the final corpus, you contribute ₹12.59 lakh from your own pocket; the rest is market-driven compounding.

If returns disappoint and you average only 10%, it takes 11 years 4 months. If markets are generous and you average 14%, it shortens to 9 years 10 months. Equity SIPs in India have historically delivered within this range over 10+ year windows.

Two levers move the timeline: a higher monthly contribution, or a longer runway. Increasing the SIP linearly shortens the timeline sub-linearly — but starting earlier compounds far more efficiently. Time matters more than amount.

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Frequently asked questions

Can a ₹10,000 SIP really build ₹25 lakh?

Yes — at 12% annualised return, a ₹10,000 monthly SIP reaches ₹25 lakh in 10 years 6 months. Your own contribution over that period is ₹12.59 lakh; the rest comes from compounding.

What if I want to reach ₹25 lakh faster?

Either contribute more each month or accept a higher-risk equity allocation aiming for higher returns. At 14% the same ₹10,000 SIP reaches the goal in 9 years 10 months. Doubling the monthly amount roughly halves the time.

Is the 12% return assumption realistic for India?

Indian broad-market equity indices have delivered 11–13% CAGR over 15+ year windows, net of expenses. 12% is a sensible base case; this page shows 10% as the conservative scenario and 14% as the optimistic one so you can plan against a range.

Should I step up the SIP every year instead?

A 10% annual step-up dramatically shortens the timeline because later contributions are larger. If your salary grows ~10% a year, a step-up SIP is almost always the better choice — same starting commitment, ~60% more wealth over 15 years.