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Want Rs 10 crore for retirement in 20 years? How much you should SIP every month
Economic Times 1 hr ago·4 Aug 2026, 3:04 am
To accumulate a retirement corpus of Rs 10 crore in 20 years, investors need a disciplined approach to systematic investment plans (SIPs). The required monthly contribution depends heavily on the expected rate of return and the impact of inflation. A basic calculation suggests a starting SIP of approximately Rs 53,700, assuming a steady market return. However, because inflation erodes purchasing power over time, a more realistic starting point is closer to Rs 85,000 per month to ensure the future value of money meets your lifestyle needs.
For aggressive investors, equity mutual funds—specifically flexi-cap and mid-cap funds—are often recommended to generate the higher returns necessary to achieve this goal. The strategy emphasizes not just the amount invested, but the consistency of the investment over the long term. Increasing the SIP amount annually by a fixed percentage, such as 10%, helps counteract inflation and accelerates wealth creation. Reaching such a large financial target is primarily a function of time and regularity rather than market timing.
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