Reaching a corpus of ₹ 1 Crore is a goal many investors aspire to achieve. Contrary to popular belief, it doesn’t require a windfall or massive income to hit this milestone—just disciplined investing through Systematic Investment Plans (SIPs) in mutual funds. Let’s dive deep into how ₹ 9,999 invested monthly at 12% annualized returns can turn you into a crorepati in 20 years, how to plan better, and what funds to choose.
Earlier we wrote about How to become Crorepati in 5 years with solid planning.
What is SIP in Mutual Funds?
A Systematic Investment Plan (SIP) is a disciplined way of investing in mutual funds. Investors put a fixed amount every month, which gets invested in selected mutual fund schemes. Over time, compounding and market growth help build wealth systematically.
Crorepati Goal – How Much to Invest?
Here’s how much one needs to invest monthly to achieve ₹ 1 Crore corpus at 12% annual returns:
| Target Corpus (₹) | Time Horizon (Years) | Expected Returns (p.a.) | Monthly SIP Needed (₹) |
|---|---|---|---|
| 1 Crore | 20 | 12% | 9,999 |
| 1 Crore | 15 | 12% | 20,500 |
| 1 Crore | 10 | 12% | 43,500 |
| 1 Crore | 5 | 12% | 1,29,000 |
How ₹ 9,999/Month Becomes ₹ 1 Crore in 20 Years
By investing ₹ 9,999 every month for 20 years at 12% annualized returns, your total investment of ₹ 24 lakh grows to approximately ₹ 1 crore, thanks to compounding.
If you think even this money is too much, you can invest ₹ 1,200 to becomre Crorepati too. However the duration would be longer along with increase in risk appetite.
How to Reach This Goal Faster
- Increase SIP Annually: Raise SIP by 5-10% every year to accelerate wealth creation.
- Choose Aggressive Funds: Smallcap and Midcap funds can deliver higher returns for high-risk investors.
- Invest Lump Sums During Market Corrections: Adding extra amounts during dips can boost long-term growth.
This article can also help you with 32 Tips on how NOT to become Crorepati in your life?
Sample Mutual Fund Portfolio (Aggressive Investor)
To target higher returns, high-risk investors can consider this diversified mix:
| Fund Type | Suggested Fund Example | Allocation |
|---|---|---|
| Largecap Fund | Nippon India Large Cap Fund | 25% |
| Midcap Fund | Kotak Emerging Equity Fund | 20% |
| Smallcap Fund | SBI Small Cap Fund | 20% |
| Balanced Advantage Fund | ICICI Prudential Balanced Advantage Fund | 20% |
| Global Equity Fund | Motilal Oswal Nasdaq 100 ETF | 15% |
Sample Mutual Fund Portfolio (Moderate Risk Investor)
If you prefer stability, skip smallcap/midcap/global funds and focus on largecap and balanced advantage funds:
| Fund Type | Suggested Fund Example | Allocation |
|---|---|---|
| Largecap Fund | HDFC Top 100 Fund | 50% |
| Balanced Advantage Fund | ICICI Prudential Balanced Advantage Fund | 50% |
Risks in SIP Investments
- Market Volatility: Short-term fluctuations can impact returns.
- Scheme Risk: Fund performance depends on fund manager and portfolio selection.
- Economic Changes: Global and domestic events may affect growth.
However, 20 years of disciplined investing minimizes risk. Equity markets have historically rewarded long-term investors.
We also discussed earlier about Best Investment Plans to earn ₹ 1 Crore.
Conclusion
Becoming a crorepati in 20 years is achievable by simply investing ₹ 9,999 per month at a reasonable 12% annual return expectation. By staying disciplined, reviewing your portfolio annually, and increasing SIP amounts gradually, you can reach this milestone faster. Choose funds based on your risk appetite—aggressive investors can opt for midcap and smallcap exposure, while moderate investors can stick with largecap and balanced funds. Long-term SIP investing not only helps achieve financial goals but also ensures stability and wealth creation over decades.
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