Answer
How much SIP for ₹10 lakh in 15 years?
To reach ₹10 lakh in 15 years through a Systematic Investment Plan, you need a monthly SIP of ₹2,002 at an expected 12% annualised return.
Want to tweak the numbers? Run your own scenario on the full calculator — change the return, tenure or target.
Open the SIP calculator with these inputsA monthly SIP of ₹2,002 compounding at 12% per annum grows to ₹10 lakh in 15 years. Over that period you contribute ₹3.60 lakh of your own money, and the remaining ₹6.40 lakh comes from market-driven compounding alone.
If markets underperform expectations and you only earn 10% annualised, the same ₹10 lakh goal needs a higher SIP of ₹2,413. If you're lucky and the long-run return is 14%, a smaller ₹1,651 gets you there. Most Indian equity mutual fund SIPs over 10+ year windows have historically delivered between these two bounds, with rupee-cost averaging smoothing out the variance.
The biggest lever in this table isn't the return rate — it's the tenure. Each extra 5 years of investing meaningfully reduces the monthly SIP needed for the same target, because compounding works exponentially with time. Starting earlier almost always beats investing more.
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Frequently asked questions
Is ₹10 lakh achievable in 15 years through SIP?
Yes — a monthly SIP of ₹2,002 at 12% annualised return compounds to ₹10 lakh in 15 years. The total you contribute is ₹3.60 lakh; the rest (₹6.40 lakh) is compounding.
What return rate should I assume for an Indian SIP?
For equity mutual funds in India, 11–13% annualised is a reasonable long-term assumption, based on broad-market index history. This page uses 12% expected, 10% conservative, and 14% optimistic so you can plan against a range, not a single point estimate.
What happens at a higher return rate?
At an optimistic 14% return, the monthly SIP drops to ₹1,651. At a conservative 10%, it rises to ₹2,413. Higher returns dramatically reduce the contribution needed, but you can't reliably plan around them.
Should I do a lumpsum instead to reach ₹10 lakh?
A lumpsum needed today to reach ₹10 lakh in 15 years at 12% is roughly ₹1.83 lakh. SIPs work better for salaried investors with monthly cash flow; lumpsums beat SIPs only when you have idle capital and markets are undervalued.